KRS 391.310: Ownership during lifetime.

(1) A joint account belongs, during the lifetime of all parties, to the parties in

proportion to the net contributions by each to the sums on deposit, unless there is

clear and convincing evidence of a different intent.

(2) A P.O.D. account belongs to the ori ginal payee during his lifetime and not to the

P.O.D. payee or payees; if two (2) or more parties are named as original payees,

during their lifetimes rights as between them are governed by subsection (1) of this

section.

(3) Unless a contrary intent is m anifested by the terms of the account or the deposit

agreement or there is other clear and convincing evidence of an irrevocable trust, a

trust account belongs beneficially to the trustee during his lifetime, and if two (2) or

more parties are named as tru stee on the account, during their lifetimes beneficial

rights as between them are governed by subsection (1) of this section. If there is an

irrevocable trust, the account belongs beneficially to the beneficiary.