According to the Association of Gravestone Studies, I.O.O.F. = Independent Order of Odd Fellows. Odd Fellows used the three links of a chain meaning, F.L.T. which is usually inside the three links of a chain. It stands for friendship, love and truth. They have three degrees also. Also they use a hand with a heart in it for Charity as do the Masons. I hope this is the answer to your question. Pat Durham McRae