
COURT OF APPEALS
EIGHTH DISTRICT OF TEXAS
EL PASO, TEXAS

WESLEY KENNEMER, INDEPENDENT
EXECUTOR OF THE ESTATE OF
LOREN SMITH BARTOO, DECEASED,


                            Appellant,

v.

FORT WORTH COMMUNITY CREDIT
UNION,

                            Appellee.
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No. 08-10-00127-CV

Appeal from the

County Court at Law No. 2

of Parker County, Texas

(TC# CIV 10-0315)

O P I N I O N

 Wesley Kennemer, as Independent Executor of the Estate of Loren Smith, appeals the trial
court's summary judgment in favor of Fort Worth Community Credit Union (FWCCU).  In a single
issue, he contends that the trial court erred by finding an agreement conveying survivorship rights
on Billie Bartoo, Loren's wife, to an account containing over $97,000.  For the reasons that follow,
we affirm.
BACKGROUND
	Based on the facts of this case, it appears to be the practice of FWCCU to assign a member
identification number to its customers.  From that member identification number, a customer's
account is not labeled with a separate identification or account number but merely referenced as
"Account #1" or "Account #2" based on the number of accounts a customer may have.  The written
and signed "Application for Membership," which the parties refer to as the Account Membership
Card or Signature Card, refers to the member identification number, not to each individual account
identified by the membership number, and therefore, sets the terms and conditions for all accounts
falling under that membership number.
	In 1952, Loren Bartoo opened a share (savings) account at FWCCU. (1)  He was assigned
Membership Number 1064-0, and his account was labeled Account #1.  After marrying, his wife,
Billie Bartoo, was added as a joint owner under the same membership number sometime between
December 1985 and March 1986.  According to the "Application for Membership" card, the parties
agreed that all funds on deposit "shall be owned by [them] jointly, with rights of survivorship."  The
Application also stated that the parties agreed "to the terms and conditions of any account that [they]
have in the credit union now or in the future and agree that the credit union may change those terms
and conditions from time to time."  The Application referenced Membership Number 1064-0 and
was signed by both Loren and Billie.
	On June 3, 1986, Account #4, a cash-management or money-market account, was opened
under the same membership number.  Because both accounts were opened prior to June 1998,
FWCCU did not require separate signature cards for each account falling under a membership
number; rather, only one signature card was required that related to the membership number, which
would then follow all accounts opened under that membership number.  Further, in July 2003,
FWCCU revised its Account Information Booklet, which contained a section entitled "Terms and
Conditions of Your Account" and stated that if multiple parties are included on an account, they own
the account in proportion and that on the death of a party, that deceased party's ownership passes to
the surviving party.
	According to the membership statement for Membership Number 1064-0, which was
addressed to both Loren and Billie, it appears that $97,029.93 was transferred from Account #4 to
Account #1 on November 20, 2003, and that five days later, those funds were transferred back to
Account #4. (2)  At the time of the transfer, Account #1 only earned 0.50 percent in interest, whereas
Account #4 earned 1.51 percent.  Prior to the transfer, on November 2, 2003, Loren died.  Relying
on the Application for Membership card, which conferred rights of survivorship, FWCCU believed
all funds pertaining to Membership Number 1064-0 belonged to and were owned by Billie, as
survivor.  Thus, FWCCU paid those funds to Billie.
	Almost one year later, Kennemer, as Independent Executor of Loren's estate, sued FWCCU,
complaining of the Credit Union's determination to pay those funds remaining in Account #4 to
Billie.  According to Kennemer, those funds were community funds without any enforceable written
survivorship agreement, and therefore, Kennemer sought to recover one-half of those funds from the
Credit Union.  Kennemer also sued Billie and Billie's heirs. (3)  FWCCU denied the claims and moved
for summary judgment.  The trial court subsequently granted summary judgment in favor of FWCCU
and severed Kennemer's remaining claims.
DISCUSSION
	In his sole issue presented for our review, Kennemer asserts that the trial court erred in
granting summary judgment in favor of FWCCU.  According to Kennemer, the survivorship
agreement was executed prior to the creation of Account #4 and therefore only related to Account
#1, not to any future accounts that were opened by the parties.  Rather, Kennemer argues that a new
written agreement was required to set the terms and conditions of Account #4, including what
survivorship the account may have, if any.  Thus, Kennemer concludes that the trial court erred by 
finding that the funds on deposit in Account #4 were subject to the agreement conveying
survivorship rights on Billie.
Standard of Review
	We review summary judgments de novo.  Valence Operating Co. v. Dorsett, 164 S.W.3d 656,
661 (Tex. 2005); In re Estate of Rogers, 322 S.W.3d 361, 363 (Tex. App. - El Paso 2010, no pet.);
First Union Nat. Bank v. Richmont Capital Partners I, L.P., 168 S.W.3d 917, 923 (Tex. App. -
Dallas 2005, no pet.).  We take the nonmovant's evidence as true, indulge every reasonable inference
in favor of the nonmovant, and resolve all doubts in favor the nonmovant.  Valence Operating Co.,
164 S.W.3d at 661; Rogers, 322 S.W.3d at 363; First Union Nat. Bank, 168 S.W.3d at 923.  To be
entitled to a summary judgment, the moving party must establish that no material fact issue exists
and that he is entitled to judgment as a matter of law.  Tex. R. Civ. P. 166a(c); Rogers, 322 S.W.3d
at 363; First Union Nat. Bank, 168 S.W.3d at 923.
Applicable Law
	Section 439(a) of the Texas Probate Code governs the creation of a right of survivorship in
a joint account, providing that  "an agreement is sufficient to confer an absolute right of survivorship
on parties to a joint account . . . if the agreement states in substantially the following form:  'On the
death of one party to a joint account, all sums in the account on the date of the death vest in and
belong to the surviving party as his or her separate property and estate.'"  Tex. Prob. Code Ann.
§ 439(a) (West 2003).  In 1993, the Texas Legislature enacted Section 439A, entitled "Uniform
Single-Party or Multiple-Party Account Form," as a supplement to Section 439(a)'s acceptable forms
of survivorship language.  See Acts 1993, 73rd Leg., R.S., ch. 795, § 2, 1993 Tex. Gen. Laws 3154,
3154, eff. Aug. 30, 1993 (codified at Tex. Prob. Code Ann. § 439A (West Supp. 2010); In re Estate
of Dellinger, 224 S.W.3d 434, 438 (Tex. App. - Dallas 2007, no pet.).  Although Section 439A
provides form language to establish particular types of accounts, it also states that a financial
institution may vary the format of the form and "make disclosures in the account agreement or in any
other form which adequately discloses the information provided in this section."  Id. § 439A(b), (c). 
In essence, the requirements for the creation of a right of survivorship to a joint account are that there
be (1) a written agreement, (2) signed by the decedent, (3) which makes his interest "survive" to the
other party.  Dellinger, 224 S.W.3d at 438.
	An account signature card, being a type of contract, must be "read, considered, and construed
in its entirety in keeping with the general principles of contract interpretation."  Allen v.
Wachtendorf, 962 S.W.2d 279, 282 (Tex. App. - Corpus Christi 1998, pet. denied).  Although it is
not proper to rely on a single clause or paragraph to ascertain the intent of the parties and meaning
of the agreement, "if it appears that only one paragraph deals with the matter, the intent of the parties
may be determined from that paragraph alone."  Id. at 282; see also Dellinger, 224 S.W.3d at 438. 
Application
	Kennemer argues that the written agreement, the Application for Membership card, confers
a right of survivorship as to Account #1 only, not to Account #4.  According to Kennemer, only
Account #1 was in existence when Billie was added as a joint owner.  Thus, he concludes that a
separate written agreement containing a right of survivorship was required when Account #4 was
opened years later.
	However, Kennemer fails to acknowledge that the Application for Membership card
conferred rights of survivorship pertaining to Membership Number 1064-0, not to a specific account. 
Indeed, the Application for Membership card does not refer to "Account #1" but rather states that
the parties agree that the terms and conditions are controlling as to "any account that [they] have in
the credit union now or in the future."  (Emphasis added.)  As the right-of-survivorship language is
not contested save as to which account it applied to, we find that right of survivorship, by the plain
terms of the Application for Membership card, applied to all accounts created under Membership
Number 1064-0.
	Moreover, we find other evidence in the record to support the parties' intention to create a
joint right of survivorship for all accounts bearing Membership Number 1064-0.  Indeed, the
Application for Membership card is signed by both Loren and Billie, and acknowledges that the
parties would be bound by future terms adopted by the Credit Union.  FWCCU's Account
Information Booklet was changed in July 2003 to provide that if multiple parties are included on an
account, they own the account in proportion and that on the death of a party, that deceased party's
ownership passes to the surviving party.  Such language tracks that found in Section 439A(b), and
provides further support for finding of a right of survivorship in Billie for all accounts.  See
Dellinger, 224 S.W.3d at 440 (holding  language in the "Account Agreement, Disclosures and
Privacy Policy" was sufficient to confer a right of survivorship).
	Further, both Account #1 and Account #4 are referenced by Membership Number 1064-0,
and the Credit Union's statement, which lists the specifics of both accounts, is addressed to both
Loren and Billie.  Such are other factors which support the trial court's finding that both Loren and
Billie owned Account #4 jointly with rights of survivorship.
	In short, based on our entire review of the record and the evidence presented, we find that
the survivorship language found in the Application for Membership card applied not to a certain,
specific account, but to all accounts falling under Membership Number 1064-0.  Kennemer cites no
statutes or cases that provide that a written agreement containing survivorship language is required
for each account at a financial institution and cannot simply be applied, as here, to each membership
number that would apply to all accounts falling under that number. (4)  Accordingly, we hold that the
trial court properly granted summary judgment in favor of FWCCU and overrule Kennemer's sole
issue.CONCLUSION
	Having overruled Kennemer's sole issue, we affirm the trial court's judgment.

						GUADALUPE RIVERA, Justice
March 9, 2011

Before Chew, C.J., McClure, and Rivera, JJ.
1.   At the time the account was opened, the Credit Union was known as Fort Worth Federal Employees
Federal Credit Union.
2.   Although not found in the clerk's record, the parties contended during oral argument that the Credit
Union, on its own motion, transferred those funds to Account #1 and then later reversed the transfer.
3.   Billie died after appearing in the case.
4.   That is not to say that we approve of FWCCU's practices as they, as demonstrated by this case, cause
confusion and may lead to unwanted litigation.  Rather, we believe the better practice would be to have a separate
account number and written agreement as to survivorship rights for each account.

