John Harding is turning 82 years of age and needs assistance from his daughter, Nancy, in looking after his banking affairs. He has a chequing account with TD Bank and a savings account at RBC. John should transfer the title of the two accounts into joint tenancy with Nancy without beneficial interest. John should transfer the title of the two accounts into joint tenancy with Nancy with beneficial interest. John should provide his daughter, Nancy, with a power of attorney to look after his banking affairs. John should transfer the two accounts into an alter ego trust with him and Nancy as the trustees