A mortgage agent is completing the borrower disclosure document and has the list of costs associated with this transaction. They are:

Legal fees for the mortgage: $$650$

Title insurance $($required by the lender$)$: $$450$

CMHC premium: $$8,300$

Brokerage fee: $$1\mathrm{.}750$

Lender fee: $$2,000$

Appraisal fee $($required by lender$)$: $$375$

Prepayment penalty: $$5,800$

Creditor insurance: $$50$

Legal fees for purchase of the property: $$1,200$

Based on this information which of the following items must be included in the cost of borrowing?

Select one:

a$.2,4,5,7$

b$.3,7,8,9$

c$.1,2,3,4$

d$.1,2,4,5,6$