An investment adviser representative is required to make disclosure to the client when: I. the IAR, in preparing a recommendation, uses research provided by a third party with whom the IAR is not affiliated.
II. the IAR recommends a specific insurance policy for the client's overall financial plan, where a commission will be received on that sale.
III. transactions recommended to a specific client are inconsistent with those for other clients with objectives that are identical to that particular client.
IV. transactions recommended to the client are inconsistent with those for the IAR's own account.

a. I, II and III.
b. II and IV.
c. I and III.
d. II, III and IV.