Licensees have been found to be negligent in which of the following situations?

1. A licensee does not verify information in the listing agreement
2. A licensee fails to conduct a title search of the listed property
3. A licensee fails to recommend to the purchaser that the purchaser insert a "subject to financing" clause in an offer to purchase
4. A licensee fails to disclose material facts to the vendor about the purchaser's ability to buy the property

• A, C, and D only
• A, B, and C only
• B and D only
• All of the above