Which of these are disclosure requirements that apply when a planner provides financial planning services?

The privacy policy must be disclosed in writing.

Material conflicts of interest must be disclosed either verbally or in writing.

Services and products offered by the planner must be disclosed in writing.

Referral compensation arrangements must be disclosed either verbally or in writing.

A$)$

I, II$,$ and III

B$)$

I, III, and IV

C$)$

II and III

D$)$

I and IV