The correct answer is: Both A & B.
Breach of utmost good faith is a legal concept that refers to the duty of parties to a contract to act honestly and fairly towards each other. This duty includes the obligation to disclose all material information to the other party, and to avoid making any misrepresentations.
Non-disclosure is the failure to disclose information that is material to a contract. This can include information about the subject matter of the contract, the parties’ financial situation, or any other information that could affect the other party’s decision to enter into the contract.
Misrepresentation is a false statement
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