each question 25 marks please answer asap thank you its my test

Question 4 Statistics from Bank Negara Malaysia found that there was a significant increase in the number of debit cards in the market, a total of 27.2 million in 2009 compared 34.9 million in 2011 and 42 million in 2013. While the number of transactions using debit cards recorded an increase from year to year of 11.3 million (2009) to 25.2 million (2011) and 49.5 million (2013). Based on the above statistic, analyse FIVE (5) factors that lead to the increasing number of transaction using debit card. Question 5 You are asked to give advice to a friend of yours who wants to apply personal loan with commercial bank. Discuss with him FIVE (5) factors that he need to consider berfore applying the personal loan. Question 6 Bonds are units of corporate debt issued by companies and securitized as tradeable assets. If you have a surplus of cash and intend to invest in bonds, discuss the advantages and disadvantages of investing in bonds. (Ctrl)