John has $\backslash (\backslash$$ $10,000\backslash )$ in a savings account at the local bank. The account is only in his name and has no transfer of assets plan in place upon John's death. He also does not have a will. When he dies, the transfer of the $\backslash (\backslash$$ $10,000\backslash )$ must occur via

payable on death.

transfer on death.

fee simple.

probate.