49. A licence holder engaging in a brokerage transaction in relation to a loan secured by immovable hypothec must without delay give a written disclosure statement to the borrower, in accordance with generally accepted practice, containing all pertinent facts relating to the loan applied for.
The disclosure statement must specify the following in particular:
(1) the cost of borrowing associated with the loan applied for by the borrower;
(2) any costs or penalties to be assumed by the borrower if the loan is not repaid at term or a loan payment is not made on its due date; and
(3) all brokerage fees, if they are included in the amount borrowed and are paid directly by the lender to the broker or agency.