Plaintiff admitted that she had at various times referred to the money in the several accounts as "Bill's money." The defendant testified that the original account stood in the name of "Pauline C. Hunter, trustee for Bill A. Hunter," and that when he decided to change the form of the account he told his wife that "... I was going to have her name put on there because I couldn't make it to there during business hours and in case I made a withdrawal she could make it for me." When the defendant was asked whether he said to his [202 Cal. App. 2d 89] wife that he was giving her half of the money or any of the money, he replied emphatically, "No," and similarly when he was asked, "Did you intend to give her any of the money?" he said "No, sir." Three withdrawals were made from this original account, and defendant testified that he told his wife to make each of them or discussed the withdrawals with her previous to their being made. The three were: $100 for a washing machine; $300 for moving expenses when the family transferred its home to Bishop; and the sum of $5,857.95 when the account was closed. The defendant further testified that he did not know the meaning or legal significance of joint tenancy prior to the time the divorce action was filed.