Paul purchased a fixed deferred annuity with a single $$75,000$ premium payment. If his annuity contains a standard surrender charge provision and he makes a $$15,000$ withdrawal from the annuity

in the third year a surrender charge will

A$)$ not be imposed

B$)$ be imposed

C$)$ not be imposed because the withdrawal was more than $10\%$ of the annuity's value

D$)$ be imposed because he took a withdrawal before annuitization