An agent of a broker-dealer is opening a new client account. the agent has completed the new account application and the suitability determination. the customer has an investment objective of safety of principal and income. the agent makes an initial recommendation of a conservative blue chip stock with a track record of paying a consistent cash dividend. the customer accepts the recommendation. when must the commission charged on the transaction be disclosed to the customer? a. at the time that the order is placedb. at the time when the order is filledc. at the time when the account is openingd. on the confirmation of the transaction