What’s the possible relationship between the speakers?

M：Excuse me. This line doesn’t seem to be moving. Have you been waiting long?
W：Yes，much longer than I expected. I need to get back to office，but I also have to make a deposit. For some reason my bank card isn’t working，so I can’t use the automated machine.
M：That’s too bad. I have to withdraw some money. But I have an appointment with a friend in a few minutes. I guess I’ll just come back around 4 o’clock.
W：Good idea. The bank should not be crowded then. I’m going to stay and wait. I wish they had more tellers working though.
Number 44.What’s the possible relationship between the speakers?
Number 45.What are they talking about?
Number 46.What does the man say he will do?