In an “Anyone or Survivor” mandate for more than two holders:
AAll holders must operate jointly for any transaction, and on death, the account is frozen until a new holder is appointed.
BOnly the first listed holder can operate the account, and on death, the account is transferred to their legal heirs.
CAny one holder can operate, but on death, the account requires a court order to be accessed by survivors.
DAny one holder can operate, and on death, survivors can operate