Provide explanations to agree/disagree to the statements in the following cases: a. A lien can be exercised by Mr. X, a banker, on securities which have been handed over by a customer with an instruction to sell them at/above a particular price and the same is lying unsold with him. b. In case of securities held jointly by Mr. Y & Mr. Z, Mr. X, the banker, can exercise his right of lien in respect of the amount due from Mr. Y, a borrower.