Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to access estate assets not held by a living trust [title] Read the will. [step] The decedent can appoint an executor (also called a " personal representative ") in his or her will. This person will serve unless they decline or are otherwise disqualified.

Ending1: Find the decedent's will and see if someone has been named as the executor. [substeps] If no one was named, or if no will was created, then the judge will have to appoint someone to serve. Ending2: Therefore, a surviving spouse, significant beneficiaries or someone who is named as a " personal representative " would very likely inherit the estate. [substeps] In most states, you will have to complete a " portal " to access the will. Ending3: [substeps] Banks and other financial institutions may not appoint a personal representative unless the will is deductible. If you make a judgment, you want to make sure that the will was meant to be taken advantage of before dissolution. Ending4: [substeps] Sometimes, the decedent can appoint someone to do the administration and elect someone to manage the assets. A will expires after death, regardless of the will's structure and language.

Answer format: ending1/ending2/ending3/ending4