Susan Smith, a registered representative, is preparing to recommend that one of her clients exchange an existing deferred variable annuity for a new one. As required by Rule $2330,$ Susan has considered whether or not the client would benefit from any optional benefits available and whether or not the client would lose any existing benefits. She must also consider whether or not the client

A$)$

owns any mutual funds

B$)$

wants to make a single contribution or periodic contributions

C$)$

would incur any increased fees or additional charges as a result of the exchange

D$)$

will actually take advantage of all optional riders available