Point out in which of the following circumstances, a banker is not justified in refusing the payment of…

Where "The customer has become insolvent yet the bank has not received notice of it.", the banker is not justified in dishonouring the cheque; refusal is justified where "The date of the cheque falls after the date of presentment.", where "The balance in the customer's account is not sufficient to meet the cheque's amount." and where "The customer has countermanded the payment."