How do I distinguish Standard IV(A) from Standard IV(B)?

Look for the trigger. Standard IV(A) is usually about conduct that harms the employer, such as competing while still employed, soliciting clients before resignation, taking confidential information, or using employer resources for a side business.

Standard IV(B) is usually about compensation or benefits from someone other than the employer. If a client, issuer, outside fund, or third party offers money, equity, travel, referral fees, or another benefit connected to the member's services, ask whether written consent was obtained before acceptance.