SHANAHAN, Justice.
The controversy involved in this case arose from three bank accounts initially in the name of Arthur H. Lienemann. Arthur opened a savings account at The Packers National Bank (PNB) on April 17, 1970; acquired a certificate of deposit from PNB on May 28, 1971; and opened a savings account with Commercial Federal Savings and Loan Association (CFSL) on March 11,
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