Question Three (3) [25 Marks] a) Explain what you understand by a credit agreement and why credit agreements remain so vital in commercial transactions. (4 marks) b) Giving examples draw distinctions between stop orders and debit orders as negotiable instruments. (6 marks) c) Discuss the relevance of insurance law in Namibia. (3 marks) d) Refereeing to case law, discuss the doctrine of subrogation. (7 marks) e) List any 5 (five) obligations of the lessee in a contract of lease over heavy duty construction machinery. (5 marks)