1.Explain when and how a banker and customer relationship begins. Discuss

whether the relationship between a banker and a customer is primarily that of a

debtor and credor.

2. Mr. X was appointed as personal representative to Mr.Y's estate after his death.

Both Mr.X and Mr. Y bank with the same bank. Prior to his death, Mr.Y ran up a

debit balance with bank. Because Mr. X is Mr.Y's peronal representative, is th

bank allowed to set-off Mr. Y's debits against Mr. X's personal account? Why or

why not?

3. "Tony was severely injured in a car accident and taken to hospital in an

unconscious condition. Tony's wife made the decision to allow the surgeon to

operate on him. Under normal circumstances, Tony would have to give consent

for the surgery. As Tony was unconscious, his wife acted under the doctrine of

Agency by Estoppel." Do you agree with this statement? Explain.