2. Paul is indebted to Jio in the amount of Php100,000.00 and the debt is guaranteed by Mark (guarantor). Subsequently, even without the consent and knowledge of Paul, his neighbor Alex approached Jio and manifested his intention to pay Paul's debt but only half of it in the amount of Php50,000.00. a. Can Jio refuse to accept the payment from Alex? Explain. (5pts) b. Suppose Jio accepted the payment from Alex, can Alex demand reimbursement from Paul and from Mark of what he has paid? Explain. (5pts) 3. Lincoln borrowed Php500,000.00 pesos from a bank. Despite demand from the bank after the due date, Lincoln failed to pay his loan. Lincoln however, has a savings deposit of Php1,000,000.00 with the bank. The bank applied the savings deposit of Lincoln as payment of the loan to the extent of Php500,000.00. The bank argued on Compensation which according to it, must takes place by operation of law. Is the bank correct? Explain. (5pts) 4. In relation to Novation (Substitution) under Article 1293 of the Civil Code, define or give the meaning of the following: a) Expromision; b) Delegacion; (5pts)