The following extract is from Section 5 of the Consumer Protection Act Regulations of 2011: Maximum duration for fixed-term consumer agreements (1) For purposes of Section 14(4)(a) of the Act, the maximum period of a fixed-term consumer agreement is 24 months from the date of signature by the consumer - (a) Unless such longer period is expressly agreed with the consumer and the supplier can show a demonstrable financial benefit to the consumer; (b) Unless differently provided for by regulation in respect of a specific type of agreement, type of consumer, sector or industry; or (c) As provided for in an industry code contemplated in Section 82 of the Act in respect of specific type of agreement, type of consumer, sector, or industry. Read the extract from Section 5 of the CPA Regulations and answer the following question. Ubuntu Bank's microloan AI product needs to be reviewed by the compliance function before it is offered to consumers. Read the extract from the CPA Regulations and determine which one of the following options should be considered by the compliance function before the product is implemented. Select one: a) Review the compliance mandate and determine the demonstrable financial benefit to the customer. b) Contact specific clients to understand their opinion of the product. c) Identify the internal stakeholders that need to be held accountable for any compliance risks that arise. d) Review the long-term profitability of the product