The circumstances in which the creditor must make disclosure to the proposed surety are:

I. Where the surety has asked specific questions to the creditor

II. Where the bank misleads the surety by volunteering only part of the truth

III. Where the surety makes a statement in the creditor’s presence that demonstrates that he entirely misunderstands the principal-debtor’s position

IV. Where there is anything that might not naturally be expected to take place between the principal-debtor and the creditor