One of five things annuls a kafālah agreement: 1. the surety presents the debtor to the creditor, or the debtor submits himself to the creditor; 2. the debt owed to the creditor is paid; 3. the creditor pardons the debt he is owed or transfers it to another person; 4. the debtor or the surety dies; 5. the creditor releases the surety from the kafālah.