According to the homeowner protection act $,$ which of the following items must be provided to a borrower at the time the loan is consummated $?$

A written notice that discloses the date on which the loan balance is scheduled to reach $90\%$ of the original value of the property.

A written notice that disclose the date on which the loan balance is scheduled to reach $80\%$ of the original value of the property.

A written notice that allows the homeowner to cancel flood insurance when the principal balance is $80\%$ of the original value.

A written disclosure that gives the borrower the right to cancel the escrow account for taxes and insurance when the loan$-$to$-$valuation is $80\%$