Answer all three questions/ sub topics below in 1 page each or two pages per qu

Answer all three questions/ sub topics below in 1 page each or two pages per questions (6 pages max). Must be double spaced, Times New Roman, Font Size 12. Please answer questions using legal concepts.Best answer will argue all sides and then reach a conclusion. PLEASE ANSWER USING LEGAL CONCEPTS
QUESTIONS:
1.In December 1999, Wilson applied for a Citibank credit card and signed an acceptance certificate in which she agreed to be bound by the terms and conditions of the credit card agreement. Citibank then issued a credit card to her, which Wilson began using. In July 2001, Citibank mailed Wilson her credit card statement, which informed her that it was modifying the terms of the original agreement. This revised agreement was included with the credit card statement. After the July 2001 statement was made to her, Wilson continued using her credit card and made monthly payments on her account balance. Wilson made her last payment to Citibank in March 2002 and failed to make payments thereafter. Citibank then filed suit against her to collect her overdue balance, which was $12,272.84. In this action, Citibank attempted to enforce the revised agreement rather than the original agreement. Wilson argued that she never accepted the revised agreement. Is this a good argument?
2. Stambovky, a resident of New York City, contracted to buy a house in the Village of Nyack, New York from Ackley. The house was widely reputed to be possessed by poltergeists, which Ackley and members of her family had reportedly seen and reported to the Readers Digest and the local press. In 1989, the house was included in a five-home walking tour of Nyack and described in a newspaper article as a “riverfront Victorian (with ghost)”. Ackley did not tell Stambovsky about the poltergeists before he bought the house. When Stambovsky learned of the house’s reputation, however, he promptly sued for rescission. Will he be successful?
3.Piatek had served a 10-year term in prison for assault with a deadly weapon. His criminal background prevented him from acquiring the license to sell insurance that was required by state law. Nevertheless, he sold insurance for American Income Life Insurance Company under several false names. He then sued American Income Life Insurance to recover commissions on the sales that he had made. Will he be successful?