Explanation:

Option (b) is correct as exemption and writ are opposite in meaning.

Exemption means the action of freeing or state of being free from an obligation or liability imposed on others.

Writ means a form of written command in the name of a court or other legal authority to act, or abstain from acting, in a particular way.

Ply means a thickness or layer of a folded or laminated material.

Arrears means money that is owed and should have been paid earlier.