Banking · Banker's Lien and Safe Custody

Consider the following statements regarding the legal provisions for Safe Custody articles and the Banker's Lien under the Indian Contract Act, 1872: I. A bank accepting an article for Safe Deposit in a locker on rental basis is a Bailee for that article, and the relationship is governed by the laws of Bailment (Sections 148-181). II. The general principle is that the bank cannot exercise its General Lien under Section 171 of the Indian Contract Act, 1872, on Fixed Deposit Receipts (FDRs) or other money balances of a customer, unless there is a specific agreement to that effect. III. The banker's General Lien can be exercised on any goods or securities entrusted to him in the capacity of a banker, but the right does not extend to securities or documents left with the bank inadvertently or for a specific purpose. IV. In a Safe Custody arrangement (where the bank takes possession of the article in a sealed box), the bank becomes a Bailee, but the bank is not entitled to exercise its General Lien on the articles, even if the customer owes the bank money. Which of the above statements are correct?