ELIZABETH B. LACY, Justice.
In this appeal, we consider whether a financial institution breached its statutory or contractual duties when it allowed one party to a joint account to add unilaterally another party to the account.
Because the trial court decided this case on demurrer, we will state as true all material facts alleged in the motion for judgment. Robinson v. Matt Mary Moran, Inc., 259 Va. 412, 414,
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