The proposed rule changes implement the disclosure provisions of Sections 717.135(3) and 717.1351(2) and (4), F.S., repeal the conflicting claims rule which provides six examples of how conflicting claims are to be paid, provide general principles for jointly owned property, provide that accounts reported by financial institutions shall be treated as survivorship accounts in the absence of evidence to the contrary, merge the definition of the term “due diligence” codified in Section 717.101(9), F.S., with the statutory provision of Section 717.117(4), F.S., and provide that a holder may not enter into a voluntary disclosure agreement if the holder has agreed to a self-audit, been requested by the Department to conduct a self-audit, or has been notified of the Department’s intention to audit or examine the holder.