Disclosure must meet the following requirements except: Multiple Choice Be oral only, vague, and inconspicuous: State the amount of the consideration or commission or the basis on which it will be computed; and Be made at or prior to the time of the recommendation or referral of the product or service for which consideration or commission is paid or prior to the client retaining the licensee to whom the client has been referred for which a referral fee is paid or Be made prior to the time the licensee undertakes representation of or performance of the service upon which a contingent fee will be charged