4. (a) A hirer may terminate the hire-purchase agreement if he becomes financially incapable. Discuss the procedure to be followed by the hirer in such a termination. (10) (b) Tora Finance has repossessed Caca's car before the expiration of 21 days from the date of the Fourth Schedule notice. Advise Tora Finance as to whether they are entitled to do so. (10) (Total: 20)5. (a) An insurance agent is not required to disclose all information prior to the contract of insurance between the insurance company and the insured person. Discuss. (10) (b) Nona wishes to purchase a takaful policy, but she wants to know about the role of a Takaful operator compared to an insurance provider. Advise Nona. (10) (Total: 20) END OF QUESTION PAPER