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In a marriage in community of property, one spouse can obtain the other spouse’s consent after certain transactions relating to the joint estate have been concluded. Select the transactions from the list below where such ratification is permitted.I Entering into a suretyship agreementII Withdrawing the other spouse’s salary from his or her bank accountIII Entering into a contract to sell the spouses’ holiday homeIV Receiving credit under a credit agreement in terms of the National Credit Act