Which of the following disclosures are mandatory prior to the recommendation for a sale of annuity:

a$.$ A description of the scope and terms of the relationship with the consumer and the role of the producer in the transaction.

b$.$ A description of the sources and types of cash compensation and non$-$cash compensation to be received by the producer.

c$.$ A notice of the consumer's right to request additional information regarding the producer's cash compensation.

d$.$ All of the above