Sandler and Yesawich, JJ., dissent in the following memorandum by Yesawich, J.:
Cora Brown, the plaintiff, opened two bank accounts, a regular joint savings account and a joint time deposit account, at the Bowery Savings Bank. Her son, William J. Brown, was the joint tenant. Both accounts were payable to either or the survivor. On March 29, 1974, approximately three months prior to his death, the son withdrew the proceeds in the regular joint savings account and opened...
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