1. Why did the bank argue that UCC 4–402 did not apply in this case? What did the court decide on this issue?
2. On what basis did the court reason that the bank may have wrongfully dishonored the check?
3. During the trial, Lowe admitted that she made a mistake when she did not ask Afiriyie whether she was a bank customer. How might this simple question have changed the facts?
4. Besides asking Afiriyie whether she was a bank customer, what other steps might Lowe have taken to avoid the dispute in this case?

In 2006, plaintiff Ama B. Afiriyie opened checking and savings accounts with defendant Bank of America (“ BOA”) as well as a secured credit card account for which she paid a security deposit of $ 300.