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9. Grandmother (GM) is a widow. She has a bank account with $400,000 in her name. She adds granddaughter (GD) as a joint owner on this account with right of survivorship. Which of the following best describes the estate planning consequences associated with GM’s action.,A. At GM’s death, $200,000 will be included in her estate. ,B. At GM’s death, this account will not be subject to probate. ,C. GM has made a gift of $200,000 to GD.,D. All of the above. ,,