3.5.2 we may give any notice or communication to either you or another Joint Account Holder;
3.5.3 all Account holders shall be jointly and severally liable for losses, fees or charges arising on a joint Account. Among other things, this means that any monies owed on the Account shall be payable in full by you or any of the other Joint Account Holders; and
3.5.4 if you or any other Joint Account Holder dies, we may take instructions from and pay any balance to the survivor(s).