PRIVACY POLICY AND PRACTICES
OF COMMONWEALTH FINANCIAL NETWORK

COMMONWEALTH FINANCIAL NETWORK, THROUGH ITS NETWORK OF INDEPENDENT REGISTERED REPRESENTATIVES, DISTRIBUTES A VARIETY OF FINANCIAL PRODUCTS AND SERVICES TO YOU. WE HAVE ALWAYS VALUED THE TRUST OUR CUSTOMERS HAVE PLACED IN US AND ARE COMMITTED TO THE RESPONSIBLE MANAGEMENT, USE, AND PROTECTION OF OUR CUSTOMERS' PERSONAL INFORMATION. WE ARE PROUD OF OUR PRIVACY AND CONFIDENTIALITY PRACTICES, AND WE WANT YOU TO KNOW HOW WE PROTECT YOUR INFORMATION.

GATHERING INFORMATION

We treat the information we gather about you in a confidential manner. Commonwealth collects this personal information to help us serve your financial needs, provide customer service, offer new products or services, and fulfill legal and regulatory requirements.

Commonwealth collects nonpublic personal, financial, and health information from information we receive from you and other sources. The sources and the information collected may include:

• Information on applications and related forms, such as name, address, social security number, assets, and income (and medical information if applying for insurance).
• Information regarding your transactions with us, such as products or services purchased, account balances, and payment history.
• Information from consumer reporting agencies, such as credit relationships.
• Information from your employer, association, or benefit plan sponsor, such as name, address, social security number, assets, and income.

  SHARING INFORMATION

  We may disclose nonpublic personal information about you as required to conduct our business and as permitted
  or required by law. We may share information about our customers with unaffiliated service providers, such as insurance companies, mutual fund companies,

  banks, investment firms, or other third parties, that assist us in providing account maintenance or customer
  service to your account. We also may share your information with regulators or law enforcement organizations as permitted or required by law.

  We do not sell, share, or disclose your nonpublic personal information to unaffiliated third-party marketing companies.

  SAFEGUARDING PRIVACY

  Commonwealth recognizes the need to prevent unauthorized access to the information we collect, including that held in electronic format on our computer system. We maintain physical, electronic, and procedural safeguards regarding your nonpublic personal information to ensure that we are complying with our own policy,
  industry practices, and federal regulations. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.
  
  QUESTIONS

  You do not have to contact us to benefit from Commonwealth's privacy protections; they apply automatically to all of our customers. If you have any
  questions after reading this privacy policy, however, we encourage you to contact your financial representative or
  to write to Privacy Management, c/o Legal Department, Commonwealth Financial Network, 29 Sawyer Road,
  Waltham, MA 02453-3483.