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thanks Sam and welcome everyone today weamp;#39;re going to be talking about account titling ownership and signatories and all of those kind of common things that go wrong when you open new accounts and especially in these days when the signature cards seem to be getting longer and longer and more complicated I think you saw on slide two that there will be state law issues that will come up in your state and on our website we have provided those links to your state law so you can go under resources all of that is free and you just click on your link and then you can go to your power of attorney statute or to your particular banking statutes that might apply in these issues so weamp;#39;re going to be focusing on today things that we all share these themes about trying to particularly come to some kind of consistency about the way that weamp;#39;re going to title accounts how theyamp;#39;re owned and how weamp;#39;re going to have them signed on our signature card contract tax beca
