State any two exclusive rights of bankers.

Right of Appropriation: Under section 59 to 61 of the Indian Contract Act, 1872 the banker is given the rights of appropriation. Thus, if a customer has multiple loans and Deposit accounts and the customer deposits some funds without intimating the account where the money is deposited, the banker can on its own decides the account in which the said funds are to be credited. Right of General Lien: Banker is also given a right of general lien. Under the general lien, the banker can unless there is a contract to the contrary, retain the goods/securities till all the debts granted to the customer are paid off.