Testimonials from existing clients can be very popular with new clients who can be reassured by words from previous clients. A broker should attempt to acquire as many testimonials as possible. However, there are rules about testimonials that a broker should follow. Which two of the following are incorrect? a. A handwritten but difficult to read testimonial may be re-typed for ease of reading for new clients b. If possible, a testimonial should have a photo of the person providing the testimonial c. It is in order to compose favourable testimonials yourself as borrowers seldom check d. Testimonials from non-clients are rarely as effective as testimonials from previous borrowers e. Testimonials are only worthwhile if they are on a social media platform like Twitter or Facebook