Automatic survivor benefits (qualified joint and survivor annuity [QJSAs] and qualified pre- retirement survivor annuity [QPSAs]) apply to Section 401(k) plans unless I. the participant elects to receive payment as a lump-sum distribution with the spouse signing a notarized consent form. II. the participant does not elect payments in the form of a life annuity. III. the plan provides that, upon the participant's death, the vested account balance will be paid in full to the surviving spouse. IV. the plan is not a direct or indirect transferee of a plan to which the automatic survivor annuity requirements apply. A) I, II, III, and IV B) III and IV C) I and II D) I, II, and III.