For certain costs or terms, lenders are permitted to charge borrowers more than the amount disclosed on the Loan Estimate without any tolerance limitation. Which of the following would not be a permitted variations to tolerance limitation?

A. Charges paid to third-party service providers for services that are required by the lender.
B. Charges made in good faith that may exceed the disclosed amount include prepaid interest, property insurance premiums, and amounts placed into an escrow, impound, reserve, or similar account.
C. Charges paid to third-party service providers for services not required by the lender.
D. Services required by the lender if the lender permits the borrower to shop and the borrower selects a third-party service provider not on the lender's written list of service providers.