SurvivingBreastCancer.org offers free virtual breast cancer support groups, education, and survivorship resources for individuals diagnosed with early-stage breast cancer and those living with metastatic breast cancer (MBC). Connect with a trusted community, access expert-led programs, and find support at every stage of your diagnosis. Join the Community Come on in!

Surviving Breast Cancer believes in the healing power of movement. Enjoy free movement classes to help manage the physical and mental effects of breast cancer. Movement & Wellness for Breast Cancer Support your body. Calm your mind. Strengthen your resilience. SurvivingBreastCancer.org offers free virtual movement and wellness classes designed specifically for individuals diagnosed with early-stage and metastatic breast cancer (MBC), as well as caregivers. Our evidence-informed, integrative oncology–inspired programming helps reduce stress, improve mobility, and support overall quality of life during treatment and survivorship. Creative and expressive movement—exploring the mind, body, and spirit—has the power to support healing, reduce stress, and strengthen the mind-body connection, especially for those navigating breast cancer and survivorship. Upcoming Classes (Weekly, Monthly, & On Demand) Multiple Dates Tai Chi & Qi Gong for Breast Cancer Thrivers Tue, May 26 Online Event More info RSVP Multiple Dates Pilates for Breast Cancer Recovery Sat, Jun 06 Online Event More info RSVP Multiple Dates Yoga Stretching for DIEP Flap Tue, Jun 09 Online Event More info RSVP Multiple Dates Restorative Yoga: A Monthly Journey Into Calm, Comfort & Inner Healing Mon, Jun 15 Online Event More info RSVP On Demand Classes Download the SurvivingBreastCancer App to access our Wellness Library with hundreds of programs from including yoga, Pilates, meditation, Qi Gong, and more. Join Us for Movement Monday All classes are free and offered virtually. You are welcome to join with your camera on or off but of course we always encourage people to have their videos on to build community. Whether you are newly diagnosed, living with metastatic breast cancer, in survivorship, or supporting a loved one — there is space for you here. Download the App Why Movement Matters During and After Breast Cancer Research shows that regular physical activity and stress-reduction practices can: Reduce treatment-related fatigue Improve sleep and mood Support lymphatic health and mobility Decrease stress and anxiety Enhance overall quality of life Our classes are inclusive, adaptable, and accessible from home — so you can move at your own pace, wherever you are in your journey. SBC On Demand Classes Have access to our programs anytime, anywhere Experience gentle Tai Chi designed for people living with cancer. This on-demand class helps reduce fatigue, improve balance, and support emotional well-being—at your own pace, from home. No experience needed. Heal & Move: Gentle Qigong for Breast Cancer Recovery This supportive class uses gentle movements & breathwork to promote healing, manage side effects, & find inner peace during breast cancer recovery. Breast Cancer Recovery Yoga: Gentle Poses with Chair Support (Improves Flexibility & Reduces Lymphedema) This restorative yoga class is designed specifically for breast cancer patients and survivors. Join certified instructor Kim O´Brien for a gentle sequence of poses using a chair for added comfort and support. Pilates Snacks Short on Time? Try an Exercise Snack! In our fast-paced lives, carving out time for fitness can feel overwhelming. But staying active doesn't have to mean hour-long workouts or trips to the gym. With exercise snacks—quick, low-impact movement breaks you can do anytime, anywhere—you can boost your energy, improve circulation, and support your overall wellness. Whether you're managing fatigue from breast cancer treatment or just juggling a busy schedule, these short bursts of movement make it easier to stay consistent with your physical health goals. DIEP flap Yoga Restorative Yoga Pilates Multiple Dates Tai Chi & Qi Gong for Breast Cancer Thrivers Tue, May 26 Online Event Slow down. Breathe. Move with intention. In this gentle Tai Chi & Qi Gong session, you’ll be guided through flowing movements designed to release tension, restore energy, and support healing from within. No experience needed,just bring your body, exactly as it is. +72 more RSVP Multiple Dates Pilates for Breast Cancer Recovery Sat, Jun 06 Online Event Did you know that Pilates can specifically address post-surgical tightness and lymphatic health? From restoring range of motion after a mastectomy to strengthening the "powerhouse" following flap reconstruction, Pilates offers a low-impact solution to post-treatment side effects. +1 more RSVP Multiple Dates Yoga Stretching for DIEP Flap Tue, Jun 09 Online Event Join us for our Online DIEP Flap Yoga Classes, a gentle, supportive, and guided movement series created specifically for individuals preparing for or recovering from DIEP flap breast reconstruction surgery. +6 more RSVP Multiple Dates Restorative Yoga: A Monthly Journey Into Calm, Comfort & Inner Healing Mon, Jun 15 Online Event Step into a space of deep relaxation and gentle healing with our Restorative Yoga class, offered year-round by SurvivingBreastCancer.org. Designed for all experience levels, this cozy, nurturing practice invites you to slow down, breathe deeply, and reconnect with your body. +8 more RSVP Articles 1 2 3 4 5 Email info @survivingbreastcancer.org with your background, interests, and class offerings. 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Explore volunteer opportunities to support breast cancer initiatives. Your time and professional expertise are appreciated in spreading awareness and support. There are so many ways you can help someone diagnosed with breast cancer. Donate Now Start A Fundraiser Your Actions Give Hope Education Request Brochures Request brochures to distribute in your local community, in the schools, at health fairs, or at your doctor's offices. Spread the Word Contact Us Too many people are diagnosed with breast cancer year over year. No one needs to suffer alone. Help spread the word about our community, programs and free services and how you can start an SBC chapter in your area. Attend A Health Fair Let's Chat Volunteer to represent SBC at an upcoming health fair in your area! Become a Peer Advocate Contact Us Join our volunteer team of breast cancer advocates. Advocates provide necessary peer to peer support to SBC members who are newly diagnosed. Volunteer or Intern with SBC If you are a College or Graduate student, you may be eligible to earn credit for your internship with SBC. When applying to a role, please be sure to mention you are interested in earning credit and we'll set up time to speak with you about the process! Your experience becomes someone else's guidebook! Pay it forward. Share your experience. Help to develop local resources in your area for the SBC community! Contact Us Become a local SBC ambassador You Are An Expert Of Your Own Experience

Mind & Body Practices Join us Weekly, Monthly, and On Demand! Upcoming Mind & Body Classes Multiple Dates Mon, May 25 Meditation Reflection The 8 Steps of Buddhism - A Path to Healing / Online Event RSVP May 25, 2026, 10:00 AM – 11:00 AM EDT Online Event Each month, join us for a guided meditation exploring one of the Eightfold Path principles. Together, we’ll cultivate mindfulness, compassion, and resilience, one step at a time. Free and open to all. See All Multiple Dates Mon, May 25 Reiki Circle of Care / Online Event RSVP May 25, 2026, 6:00 PM – 7:00 PM EDT Online Event Join us for the REIKI Circle of Care, a transformative virtual session where energy knows no boundaries. Experience the power of distance Reiki as it flows through your Chakras, bringing balance and universal energy to your body, mind, and spirit. +10 more Multiple Dates Tue, May 26 SBC Well-Being Book Club: Finding Peace on the Buddha’s Eightfold Path / Online Event RSVP May 26, 2026, 10:00 AM – 11:00 AM EDT Online Event Join us as we dive into The Beginner's Guide to Walking the Buddha's Eightfold Path by Jean Smith. Discover practical, "nuts and bolts" wisdom for mindful living, stress relief, and emotional resilience. Perfect for anyone seeking a compassionate community and a holistic approach to well-being. See All Multiple Dates Tue, Jun 02 SBC Well-Being Club: Finding Peace on the Buddha’s Eightfold Path / Online Event RSVP Jun 02, 2026, 10:00 AM – 11:00 AM EDT Online Event Join us as we dive into The Beginner's Guide to Walking the Buddha's Eightfold Path by Jean Smith. Discover practical, "nuts and bolts" wisdom for mindful living, stress relief, and emotional resilience. Perfect for anyone seeking a compassionate community and a holistic approach to well-being. See All Multiple Dates Tue, Jun 02 Meditation Tuesday for Self-Care / Online Event RSVP Jun 02, 2026, 7:00 PM – 7:30 PM EDT Online Event Meditation for Self-Care offers gentle, guided meditation to support emotional well-being, stress relief, and nervous system regulation during and beyond the cancer journey. Open to those in treatment, survivorship, living with metastatic disease, or supporting a loved one. See All Multiple Dates Wed, Jun 03 Guided Hypnosis for Breast Cancer Thrivers & Caregivers / Online Event RSVP Jun 03, 2026, 6:00 PM – 7:00 PM EDT Online Event A guided hypnosis session designed to help you gently release old narratives and reconnect with your inner sense of possibility and self-trust. In a safe and supportive space. See All Multiple Dates Wed, Jun 17 Forest Bathing: Mindful Nature Connection & Healing / Virtual Event RSVP Jun 17, 2026, 4:00 PM – 5:00 PM EDT Virtual Event Awaken your senses and reconnect with nature—wherever you are. This virtual forest bathing experience invites you to slow down, tune in, and find grounding through mindful connection with the natural world.Join us for a one-hour virtual forest bathing walk, designed to support relaxation, stress red +11 more Multiple Dates Mon, Oct 19 Meditation Reflection The 8 Steps of Buddhism - A Path to Healing / Online Event RSVP Oct 19, 2026, 10:00 AM – 11:00 AM EDT Online Event Each month, join us for a guided meditation exploring one of the Eightfold Path principles. Together, we’ll cultivate mindfulness, compassion, and resilience, one step at a time. Free and open to all. See All

For women in the U.S., breast cancer death rates are higher than those for any other cancer, besides lung cancer. Besides skin cancer, breast cancer is the most commonly diagnosed cancer among American women. In 2019, it's estimated that about 30% of newly diagnosed cancers in women will be br Know the Stats Get the Facts Understand your risk. Understandng Breast Cancer Breast Cancer Statistics Breast Cancer Symptoms Risk Factors Genetic Testing Breast Density About 1 in 8 U.S. women (about 12%) will develop invasive breast cancer over the course of her lifetime. In 2021, an estimated 281,550 new cases of invasive breast cancer are expected to be diagnosed in women in the U.S., along with 49,290 new cases of non-invasive (in situ) breast cancer. About 2,650 new cases of invasive breast cancer are expected to be diagnosed in men in 2021. A man’s lifetime risk of breast cancer is about 1 in 833. About 43,600 women in the U.S. are expected to die in 2021 from breast cancer. Death rates have been steady in women under 50 since 2007, but have continued to drop in women over 50. The overall death rate from breast cancer decreased by 1% per year from 2013 to 2018. These decreases are thought to be the result of treatment advances and earlier detection through screening. For women in the U.S., breast cancer death rates are higher than those for any other cancer, besides lung cancer. As of January 2021, there are more than 3.8 million women with a history of breast cancer in the U.S. This includes women currently being treated and women who have finished treatment. Breast cancer is the most commonly diagnosed cancer among American women. In 2021, it's estimated that about 30% of newly diagnosed cancers in women will be breast cancers. Breast cancer became the most common cancer globally as of 2021, accounting for 12% of all new annual cancer cases worldwide, according to the World Health Organization. In women under 45, breast cancer is more common in Black women than white women. Overall, Black women are more likely to die of breast cancer. For Asian, Hispanic, and Native-American women, the risk of developing and dying from breast cancer is lower. Ashkenazi Jewish women have a higher risk of breast cancer because of a higher rate of BRCA mutations. Breast cancer incidence rates in the U.S. began decreasing in the year 2000, after increasing for the previous two decades. They dropped by 7% from 2002 to 2003 alone. One theory is that this decrease was partially due to the reduced use of hormone replacement therapy (HRT) by women after the results of a large study called the Women’s Health Initiative were published in 2002. These results suggested a connection between HRT and increased breast cancer risk. In recent years, incidence rates have increased slightly by 0.5% per year. A woman’s risk of breast cancer nearly doubles if she has a first-degree relative (mother, sister, daughter) who has been diagnosed with breast cancer. Less than 15% of women who get breast cancer have a family member diagnosed with it. About 5-10% of breast cancers can be linked to known gene mutations inherited from one’s mother or father. Mutations in the BRCA1 and BRCA2 genes are the most common. On average, women with a BRCA1 mutation have up to a 72% lifetime risk of developing breast cancer. For women with a BRCA2 mutation, the risk is 69%. Breast cancer that is positive for the BRCA1 or BRCA2 mutations tends to develop more often in younger women. An increased ovarian cancer risk is also associated with these genetic mutations. In men, BRCA2 mutations are associated with a lifetime breast cancer risk of about 6.8%; BRCA1 mutations are a less frequent cause of breast cancer in men. About 85% of breast cancers occur in women who have no family history of breast cancer. These occur due to genetic mutations that happen as a result of the aging process and life in general, rather than inherited mutations. The most significant risk factors for breast cancer are sex (being a woman) and age (growing older). References American Cancer Society. How Common Is Breast Cancer? Jan. 2021. Available at: https://www.cancer.org/cancer/breast-cancer/about/how-common-is-breast-cancer.html . American Cancer Society. Key Statistics for Breast Cancer in Men. Jan. 2021. Available at: https://www.cancer.org/cancer/breast-cancer-in-men/about/key-statistics.html . American Cancer Society. Cancer Facts & Figures 2021. Available at: https://www.cancer.org/content/dam/cancer-org/research/cancer-facts-and-statistics/annual-cancer-facts-and-figures/2021/cancer-facts-and-figures-2021.pdf . Reuters. Breast cancer overtakes lung as most common cancer-WHO. Feb. 2021. Available at: https://www.reuters.com/article/health-cancer-int/breast-cancer-overtakes-lung-as-most-common-cancer-who-idUSKBN2A219B . National Cancer Institute. BRCA Gene Mutations: Cancer Risk and Genetic Testing. Nov. 2020. Available at: https://www.cancer.gov/about-cancer/causes-prevention/genetics/brca-fact-sheet . American Cancer Society. Breast Cancer Risk Factors You Cannot Change. Sept. 2019. Available at: http://www.cancer.org/cancer/breast-cancer/risk-and-prevention/breast-cancer-risk-factors-you-cannot-change.html . Breast Cancer Conversations A WEEKLY PODCAST Where we talk about all things breast cancer. Hear from medical experts, learn about the latest treatments, listen to stories from those diagnosed with breast cancer and be inspired by visionary #cancerpreneurs , advocates, and more! Privacy Policy © 2022, Registered 501(c)(3). EIN 82-2953427 Contact us info@survivingbreastcancer.org 5 Cedar Street, Boston, MA 02119 Never miss a beat. Stay connected with SBC on Social for daily updates, news, and information! Follow Us Programs & Events Movement Mondays Breast Cancer Book Club Thursday Night Thrivers Meetup Healing Through The Arts Expressive Writing Featured Resources for Newly Diagnosed Living with MBC Children & Adolescents Families Caregivers Men's Breast Cancer Physicians

Breast Cancer is hard enough so why not gift yourself or someone you love essential items to enjoy! Shop Survivingbreastcancer.org's brand, cloths, and lifestyle products and feel the love! Quick View 5x7 IBC Flyers (50) Price $25.00 Excluding Sales Tax Quick View Event Flyer (English and Spanish) Price $25.00 Excluding Sales Tax Quick View Tri-Fold Brochures (English and Spanish) Price $25.00 Excluding Sales Tax Quick View Variety Pack Price $45.00 Excluding Sales Tax Quick View 5x7 MBC Flyers (50) Price $25.00 Excluding Sales Tax Quick View 5x7 Book Club Flyers (50) Price $25.00 Excluding Sales Tax Quick View 5x7 Expressive Writing and Meditation (50) Price $25.00 Excluding Sales Tax Quick View 5x7 Art Therapy Flyer (50) Price $25.00 Excluding Sales Tax Products Designed With You & Your Patients In Mind All Proceeds from our sales go directly back into SBC to support our programs and services. Thank you for shopping for a cause!

Reiki Circle of Care Reiki is a gentle, hands-on energy healing practice that promotes relaxation, reduces stress, and supports overall well-being. Especially helpful for those navigating breast cancer, Reiki can ease pain, anxiety, and fatigue while restoring balance to the body and mind. Experience the calming benefits of Reiki as part of your healing journey. Multiple Dates Reiki Circle of Care Mon, May 25 Online Event More info RSVP

A new metastatic breast cancer diagnosis can disrupt anyone's life in a major way. Learn about your next steps to fight back with innovative treatments. Newly Diagnosed with Metastatic Breast Cancer. Now What? What brings you to this website is most likely a metastatic breast cancer (MBC) diagnosis. Perhaps you experienced a recurrence from early stage breast cancer (stages 0,I, II, or III) to advanced or late stage breast cancer (stage IV, MBC). In some cases you may have been diagnosed de-Novo meaning that you never experienced an early stage of breast cancer and based on diagnostic tests were diagnosed with metastatic breast cancer as your initial diagnosis. Whatever the reason, I want you to know that you will be supported and that our Surviving Breast Cancer (SBC) community is here for you! We are here to help! A metastatic breast cancer diagnosis is different than an early stage diagnosis in the way in which it disrupts our lives and throws us into a whirlwind of continual doctors appointments, follow ups, tests, scans, and the like. Each and every one of us have unique experiences, and what our SBC platform and community provides is education, support, and resources for you as a complement to your medical care. We are not medical professionals, nor provide medical advice. But what we do offer is content, stories, and community when you need it most! What I mean by that is you are welcome to dive in to absolutely everything we offer today, or, you can take bite size approaches to get the information and support when you feel ready for it. We've listed a few links and resources to help get you started and to hopefully make things a bit less overwhelming. Download. Questions to Ask Your Surgeon Download PDF Questions to Ask Your Radiologist Downlod PDF Questions to Ask Your Oncologist Coming Soon Events & Programs Multiple Dates Metastatic Breast Cancer (MBC) Support Group with Nancy Gaulin, PsyD Thu, May 21 Zoom Join us for our Thursday Night Thrivers MBC Support Group, a warm and uplifting space created specifically for the Metastatic Breast Cancer community. This free, online support group is facilitated by the exceptional psychologist Nancy L. Gaulin, PsyD, MBA a specialist in cancer-related support +37 more RSVP Multiple Dates MBC Peer to Peer Support | Thursday Night Thrivers Meetup Thu, Jun 04 Virtual Join our MBC Peer to Peer Support group during Thursday Night Thrivers. A monthly breakout space for the metastatic breast cancer community to connect, share, and find support. See All RSVP Multiple Dates Reflective Writing for Metastatic Breast Cancer Fri, Jun 12 Online Event Join us for special session for those living with MBC who would like to take some time to reflect with others in the community, participate in a few journaling exercises, and share their thoughts and feelings in a confidential and supportive setting. +5 more RSVP Recent Articles

Surviving Breast Cancer offers guidance on sex after breast cancer, helping survivors navigate intimacy, relationships, and emotional healing. Breast Cancer & Intimacy Sex After Breast Cancer In a previous blog and podcast we opined on the difficulties of maintaining relationships with loved ones, family, spouses, partners, etc. following a breast cancer diagnosis. Now we look at the adversarial effects of breast cancer towards sexual intimacy. Many, although not all, women find that breast cancer treatment, I.e. surgery, radiation, chemotherapy, estrogen eliminating hormonal therapy, severely hampers intimate sexual relations. Poor self image, physical exhaustion, painful treatment, and emotional distress all tend to weigh in negatively regarding sex drive. But overall recovery from breast cancer is partially dependent on overcoming the above referenced issues and participating in warm loving sexual acts. Sex can thus play a pivotal role. As we have mentioned in previous posts, single women who have been diagnosed worry how breast cancer will affect their relationship prospects, and also about how and when to tell those prospective lovers about their condition. The most uncomfortable stuff to talk about is probably your sex life and the changes that have taken place with your illness. You may not know what needs fixing or how to fix it, but you know things are different. Many women report having less sex than before their illness, for several reasons: • The breast cancer experience slows down your body. It takes longer to do lots of things, including getting interested in and starting and finishing sexual intercourse. • Sex may be uncomfortable or even painful if you've been thrown into sudden onset menopause. No surprise that you tend to have less sex, for now. Many women may have had little or no sex from the time of diagnosis through treatment. Most people have wild ideas about what goes on in other people's bedrooms. Give yourself a break: The carefully researched book Sex in America (by Michael, Gagnon, Laumann, and Kolata) tells us that Americans have a lot less sex than the movies, television, and the guys in the locker room would have you believe. The averages reported in that book are: • seven times a month between ages 30 and 40 • six times a month between ages 40 and 50 • five times a month between ages 50 and 60 For people over 60, the numbers continue to decline. But although you may assume that no one in their 70s and 80s has a sex life, that's just not so. Don't let the myths about other people's sex lives get in the way of what's happening in yours. And remember that there are exceptions to every pattern. If your sex life is not working the way you want it to, your doctor or nurse may be able to referee these issues with your partner and you. You can cue your doctor in advance, since he or she has most likely already touched on delicate issues with you. Maybe he or she can be the tour guide for the two of you. If your partner is there when you talk with the doctor who's managing your care, you and your partner both get a chance to air and dispel fears, and replace myths and false information with facts. Help from a pro Not all doctors and nurses are comfortable discussing sexual issues and practices. Most doctors don't routinely ask about your sex life. And patients don't usually begin to discuss their love life with a doctor who hasn't mentioned it. Nobody's talking! Someone has to break the pattern. A trained social worker, sex therapist, psychologist, or psychiatrist can help you open up communication with your partner and get around to talking about intimacy and sex issues. A support group may be more helpful than you might realize. Women in these groups often share advice that extends to the bedroom, including ways to increase sexual pleasure that are explicit and specific for women who've had breast cancer. Meeting needs in other ways Most marriages have problems that don't get fixed. Marriage is a package deal, and in marriages that work, the good things outweigh the bad. But as a survivor, you may find that breast cancer highlights the problems in your marriage. Can you live with those problems? Can you enjoy your marriage even as you contemplate what's missing? Can you capture the missing pieces in other ways? Give serious thought to your needs and how to meet them. Other ways to meet your needs: • Fantasy can enrich your life. Countless women read to fill the vacuum (romance novels are enormously popular). • Join a book club, a church or synagogue, or a group that meets to discuss investments, movies, or local politics. • Do more with individual friends, like walking, shopping ("retail therapy"), or travel. • Make a bigger deal of birthdays and anniversaries. • Expand your involvement in community or spiritual activities. • Get politically active in the breast cancer movement: camaraderie for a cause close to your heart. Having a serious illness almost always takes some kind of toll on your sex life. But breast cancer can bring all thoughts of intimacy and sexuality to a screeching halt. Treatments can bring on temporary -- and sometimes permanent -- premature menopause, making intercourse painful. Chemotherapy and radiation often lead to crushing fatigue. You may want to stay in bed, but you don’t want to use it for anything but sleep. The medications you take, as well as the emotional effects of the disease, can lead to depression. And of course, from the changes wrought by surgery to the hair loss and puffiness of chemotherapy, breast cancer can have a devastating effect on your body image and your ability to feel sexy. The sexual side effects of breast cancer can linger long after treatment stops. A 2007 follow-up report on young breast cancer survivors, conducted by researchers at the University of California-Berkeley, found that some women reported persistent sexual difficulties five years after their treatment had ended. And according to the National Cancer Institute, about one out of every two women who’ve undergone breast cancer treatment experiences long-term sexual dysfunction. That’s the bad news. But the good news is there is sex after breast cancer! > Sex and self-image Breast cancer changes the way you see your body. “Women sometimes feel very disconnected from their bodies when they go through this,” says Jean Carter, PhD. Carter is a licensed psychologist and the sexual health counselor for the sexual health program at Memorial Sloan-Kettering Cancer Center. “Your body’s been through so much and it’s worked to get well,” she says. ”But there have been sacrifices.” One thing you need to know early on is that your partner still finds you attractive and desirable. That’s rough on the days when you look in the mirror and can’t imagine ever feeling sexy again, much less looking sexy to someone else. It’s important to prepare yourself and your partner for what you’ll see. If you haven’t yet had surgery, ask your breast center if they have photographs of women after the kind of surgery you’ll undergo. Look at them with your partner and talk about what to expect. There's no denying that the sexual side effects of breast cancer can linger long after treatment is over, but there is sex after breast cancer. Lumpectomies, Mastectomies, Breast Reconstructions and Thoughts on Body Image. It was created by women in a cancer survivors’ group at Penn State. “The way your partner looks at your incision for the first time,” says Lillie Shockney, RN, “you’ll remember that forever.” Shockney is administrative director of the Johns Hopkins Breast Center and a breast cancer survivor herself. “If he has no clue what to expect and has a puzzled look on his face, the woman may interpret it as ‘He thinks I’m ugly, he thinks this is awful.’ Showing photographs can take the surprise away.” Communication is important. Talk with your partner about what you’re comfortable with, and what you’re not. “Both partners may be waiting for the other one to make the first move,” says Shockney. “She’s waiting for him to tell her he wants sex, and he’s waiting for her to touch him.” Your partner may be afraid of hurting you, or afraid that you’ll think he’s pushing you to have sex when you’re not ready simply by asking about it. If your breasts were major erogenous zones for you before surgery, you may be feeling particularly bereft after a mastectomy or even a lumpectomy . Shockney suggests taking the pressure off by exploring and discovering other areas of your body, rather than trying to “force it” in areas where you still have performance or body image issues. “For some women, the diminished arousal in areas of a newly constructed breast or scar tissue might serve as a painful reminder that their sex life has changed,” Shockney says. Instead, think of areas like shoulders, ears, and knees as new hot spots for intimate touch. If you’re still not comfortable with your new body, that’s what lingerie is for! There’s nothing wrong with getting a little help. A soft, satin nightie can be sexy and arousing. At the same time, it can help to conceal areas you’re still shy about. Or you can get even more creative. “I asked a patient to try using a feather boa to help her feel sexy, and at the same time keep her scars from being so evident. She loves it!” says Shockney. “It’s all about finding what you’re comfortable with.” Coping with changes But even as you get comfortable with the “new you” in the mirror, other parts of your body may be causing you problems in the bedroom. You may go through temporary menopause because of chemotherapy. Or if you have estrogen-receptor positive breast cancer, you may be taking hormonal therapy that can leave you in a menopausal state for years. The resulting vaginal dryness and other symptoms may make it painful to even think about having sex. “A lot of women I see are afraid to have sex,” Carter tells WebMD. “They’re really struggling. And it’s a shame, because there are wonderful, simple strategies to improve your sexual experience that, taken together, can work wonders.” Vaginal moisturizers. These aren’t lubricants, which are meant to be used during sex. Instead, they’re like the moisturizers you use on your face and hands, to benefit the tissues themselves. “They’re introduced as a suppository into the vagina adding moisture back into the vaginal space and giving it that natural elasticity,” says Carter. “It’s meant to be absorbed, and it helps the vagina to have more health and moisture for several days.” Lubricants. You definitely still want a lubricant for use during intercourse, says Carter. But lubricants should be combined with regular, ongoing use of vaginal moisturizers for best results. “If you’re feeling a rubbing or burning sensation during intercourse,” Carter says, “you don’t have enough lubrication. If it’s a stretching , painful sensation like the skin is going to split, you don’t have enough moisture.” Exercises. The classic Kegel exercises -- tightening and releasing the sphincter muscle as you do when you urinate -- that so many women use during pregnancy are also great for making intercourse easier. “If intercourse has been painful,” Carter says, “you may tighten up in anticipation of the pain. If you do Kegels right before intimacy , you fatigue the vaginal muscles and it is more open.” Vaginal dilators. A sex therapist, like Dr. Carter, can teach you how to use these dilators, which help gently stretch the vaginal tissue. Over and over again,” Carter says, “I’ve seen women who are completely hormonally deprived be able to have comfortable, enjoyable intimacy by using these strategies. A lot of the time, it’s so easy to fix. It astonishes me how often women come into my office and ask, ‘Why didn’t anyone tell me this? Shockney advises her patients to shake up their previous sexual habits. She tells them they may have been a silent player in bed before. But now she wants them to speak up. She tells them, “Say, ‘This feels good. This doesn’t feel good.’ Don’t rely on grunting for him to figure it out. That’s not the best way to communicate.” She also tells her patients, “If you’ve never watched an x-rated movie, try one -- just one. It may jump-start things, and you’ll be amazed at how active you’ll become. Or try various sex toys. So what if you never did these things before. You never had breast cancer before, either! I’ve had women come to me and say ‘I thought my sex life was great before, and then I thought I was going to lose it. But now it’s better than ever. TOPICS COVERED IN THIS EPISODE -People who refuse aspects of therapy including radiation. -What to expect when going in for radiation-Planning appointment -What is radiation and why would I need it? -Radiation and skin care -Proton Beam Radiation (the science behind protons; a number of clinical trials exploring proton beam radiation in the breast cancer community to minimize cardiac toxicity). -Risks association with radiation, but we still sign the consent. As a young breast cancer survivor, I ask Dr. Jimenez to explain the 10, 20 and 50 year plan for women who go through treatment. HEALTH RISKS -Cardiac toxicity -Field of cardio oncology partners and have mapped out the ideal -Herceptin and anthracyclines. After 5 years of survivorship, you should have a cardiac stress test. -Getting a baseline with an ultrasound of the heart so if there are changes, doctors can track them. -Our job (in Radiation Oncology) in follow up is to open up and make sure that referrals are made. How is your nutrition? Are you exercising? Did you schedule your next mammogram? QUOTES: "Your providers are your providers for life". "You are never a bother, it is our job and privilege to take care of you! " What's the Difference between Diet and Nutrition? On Breast Cancer Conversations, the Podcast Listen Now Looking for more ways to support your healing journey? View Programs

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Our breast cancer poetry lab is a space for patients and survivors to express their emotional journeys. Read from others' works and share yours! Breast Cancer Poetry Writing is a great form of therapy and healing. Enjoy the original compositions from our Survivingbreastcancer.org Community! Be Inspired. Submit Your Poem Expressive Writing How can we dial down the noise in our daily lives to listen to the story emerging within ourselves? In this interactive session, we will come together to reflect on the personal narratives that give shape and meaning to our lives and find community in the experiences we share. Multiple Dates Expressive Writing with Thomas Dooley Mon, Jun 08 Online Event More info RSVP Multiple Dates Reflective Writing for Metastatic Breast Cancer Fri, Jun 12 Online Event More info RSVP 1 2 3 4 5 Welcome to the Poetry Lab Welcome to the Poetry Lab Welcome to the Poetry Lab Welcome to the Poetry Lab Dream Dream Dream Dream Create Create Create Create Express Express Express Express Multiple Dates Expressive Writing with Thomas Dooley Mon, Jun 08 Online Event More info RSVP Multiple Dates Reflective Writing for Metastatic Breast Cancer Fri, Jun 12 Online Event More info RSVP

The Carfang Group presents eleven issues that will change the financial world.  We call these the “Megatrends”.  This article presents the eleven megatrends and invites your feedback and discussion.  Subsequent articles will explore each of these in detail. Megatrends in Treasury, Money and Banking Megatrends in Treasury, Money and Banking Anthony J. Carfang, The Carfang Group Innovation, technology, regulation and geopolitics are intersecting and are about to change the face of treasury, money and banking as never before. Issues that appear small or incremental today could be seismic in the longer term. As markets, institutions and governments deal with these cross-currents, we could be witnessing the beginning of a transformation on a grand scale in finance. In this series, The Carfang Group presents eleven issues that will change the financial world. We call these the “Megatrends”. This article presents the eleven megatrends and invites your feedback and discussion. Subsequent articles will explore each of these in detail. These are the eleven Megatrends which we believe will reshape our financial world over the next decade. Central Bank roles are scaled back. Asset Managers overtake banks. Deposit Banking diminishes in importance. Deposit Insurance becomes universal. Private Liquidity Funds emerge as a major asset class. Technology disintermediates the intermediaries. Truly immediate payments eclipse “faster payments”. 20th century institutions and structures are realigned. Currency takes on a new role. Alternative currencies gain acceptance. Solutions for the underbanked take shape. About the author: Anthony J. Carfang is Managing Director of The Carfang Group and has a distinguished background in consulting, writing, speaking, thought leadership and advocacy in the area of treasury, payments and liquidity. He encourages you to provide feedback on this article or any other issues to tony_carfang@carfang.com . You can follow Tony at https://www.linkedin.com/in/carfang/ Central Bank roles are scaled back. To receive a pdf version of this white paper, email tony_carfang@carfang.com ." Central Bank roles are scaled back. Without question, many central banks functioned superbly during the financial crisis in the dual roles of lender of last resort and payment guarantor of last resorts. They forcefully took on powers necessary to prevent a worldwide depression. Instead of reverting to their historical role after the crisis abated by 2011, they continued to function in crisis mode and now seem to have taken for themselves an entirely new mandate of economic support. We believe that this will come under close scrutiny over the next decade and the missions of central banks world-wide will be scaled back. Consider the following “last resort” moves that remain in place ten years post-crisis: Central bank balance sheets remain at levels which make them THE dominant players, distorting the financial markets rather than merely facilitating those markets. Securities on their balance sheets now stand at $23 trillion, up from $4 trillion pre-crisis. The Federal Reserve began paying interest on bank excess reserves in a not so subtle effort to inject capital into banks and to fund its swollen balance sheet. Long after the crisis, it still pays market interest, thereby competing for private capital while quashing the intrabank Fed Funds market. Operation Twist was a specific program designed to lower long term rates relative to short term rates. Many of these OT securities remain on the Fed balance sheet, impacting the shape of the yield curve today. Quantitative Easing and Quantitative tightening are direct attempts by central banks to impact growth levels, still ongoing today, and are not a direct part of their mandate. Combined, these activities distort the important market signals that are necessary in robust markets. Central bank roles will come under close examination. The debate will be intense but healthy. Should central banks be limited to their "first principles" of currency stability and lender of last resort? Or should they proactively manage world economies? We expect a tilt back toward the former. Asset Managers overtake banks. Commercial banks have historically been the primary conduit through which depositors and borrowers clear the market. Most individuals and businesses maintain bank accounts to facilitate transactions and savings. Similarly, for individuals and all but the largest businesses, these banks are also the primary source of loans. Asset managers, on the other hand, provide investment management services primarily by deploying their investors’ capital via the secondary markets. That is abruptly changing in ways that are just beginning to emerge. We believe that over the next decade, asset managers will overtake banks as the primary financial institutions in both the retail and wholesale markets. Commercial banks, long the dominant market players, saw their competitive advantage sharply curtailed following the financial crisis. They became subject to SIFI supervision, Basel III’s liquidity requirements, tiered capital requirements and much more. Over the past ten years, total assets of the largest banks have been relatively flat. Asset managers not subject to these requirements, in particular the largest three companies, have grown enormously. The “Big 3” have nearly tripled in assets since the crisis and are now larger than the largest commercial banks. We expect that these supersized asset managers will be able to muscle into all aspects of the commercial banking franchise and radically alter the playing field. It is true that commercial banks enjoy the dual monopolies of deposit aggregation powers and payment settlement finality. However, technology will diminish those advantages (see below) to the point at which they cannot overcome their regulatory, capital and liquidity burdens. Deposit Banking diminishes in importance. The centuries-old deposit banking paradigm will not disappear anytime soon. But we believe it will radically change in the near future, creating significant winners and losers among financial and payments institutions. Deposits have long served two primary functions. They were a buffer to mitigate the uncertain clearing time for payments and they served as a repository for savings on the part of individuals who did not have direct access to the institutional markets. Rates paid on transaction deposits were negligible but that was part of the offset for transaction costs. Rates paid on savings were more competitive but slightly below market, given that banks provided the only way for retail savers to earn any return at all. Even today, banks aggressively compete for deposits across most wholesale and retail segments. Yet we believe this model is about to change as the cross currents of technology and regulation play out. On the transaction front, with faster (instant) payments will come greater certainty, leading to what we refer to as “just-in-time money”. In this new world, the need for a buffer vanishes. Fintech solutions will fund these accounts as necessary and will deploy all excess funds into the money markets. On the savings front, technology is eliminating the friction and transaction costs that stood in the way of savers directly accessing the markets. On-line brokers and internet banks are just the tip of the iceberg. Further, traditional commercial banks are saddled with Basel III related capital, liquidity and stable funding requirements that further erode their competitiveness. Deposits were once the holy grail of banking. That is about the change. Deposit Insurance becomes universal. Government insurance for bank deposits is a common safety net worldwide. By insuring a set level of deposits, governments boost depositors’ faith in the banking system and encourage capital formation. Banks are assessed premiums by the insuring government agency. These premiums are generally passed along to depositors in the form of slightly lower rates or higher transaction costs. At the onset of the financial crisis, the U.S. Congress raised the coverage amount from $100,000 to $250,000 per depositor per institution, and that has not been rolled back during the recovery. Temporarily, the limit was removed altogether for non-interest-bearing accounts. Taking deposit insurance well beyond the safety net aspect, financial institutions and tech companies are partnering to expand coverage to all of a customer’s deposits. A depositor can place funds well above the $250,000 limit with a lead participant. A servicer will take that large deposit, break it into $250,000 units and place one unit each with other banks in their network. Some networks include over 1,000 banks, enabling a depositor to place up to $250 million in a single deposit and have the entire amount insured. While this might seem to be at odds with the spirit of deposit insurance, neither the FDIC nor Congress have taken steps to limit the rapid spread of these deposits that now exceed $1 trillion, one-eighth of the total insured deposit base. In fact, in 2018 Congress passed legislation that gave regulatory support to “reciprocal” deposits, a subset of these types of programs. Consider, then, the rapidly approaching scenario in which ALL deposits are insured and the resulting moral hazard. A thin layer of bank shareholder capital is the only source of market discipline. The government is on the hook for all losses. That asymmetry likely leads to outsized risk taking. Ultimately, the government will be forced to step in and de facto nationalize the banks. Bills have been introduced in Congress, most recently in 2018, to allow the US Postal Service to take deposits and make loans. This could be the logical conclusion of unlimited deposit insurance. If the government is bearing all the risks of the banking system, the logical conclusion is that it takes over the banking system. USPS banks could be the first step in that direction. Private Liquidity Funds emerge as a major asset class. Like private equity funds a few decades ago, which provided a way to circumvent public markets for long term capital, Private Liquidity Funds will circumvent the public markets to enable the efficient provision of liquidity to both investors and borrowers. Technology is enabling “just-in-time money” which will redefine “liquidity”. Sweep accounts are now available at low cost to most savers and investors. Funds can be fully invested right up to the day they are needed. Thanks to fintech advances, funds can be drawn down at precisely the time they are needed. At the same time, regulators in the U.S. and around the world have hamstrung money market funds that focus on private sector liquidity. In 2016, US regulators implemented regulations that reduced the viability of prime money market funds. Prime funds invested in commercial paper and other private sector debt instruments. Thus, both the providers and users of liquidity were penalized. The bulk of prime fund assets flowed into government and treasury funds and are no longer available to provide liquidity to businesses. Similar regulations are currently being implemented in Europe. Unfortunately, because of the dramatic scale-back of prime funds, the most efficient conduit between providers and users of liquidity has been significantly curtailed. The upshot will be an entirely new asset class. Some forward-thinking asset managers have already established the first funds of this breed. They are similar to the pre-regulation 2a-7 funds but are limited to institutional investors. However, we expect these to morph into an asset class that will ultimately look very different from the current funds (MMFs, SMAs and Ultra Short Bond Funds) and incorporate the redefined “liquidity” and facilitate just-in-time cash. Forty years ago, no one envisioned the current structure and transformative role of private equity funds. We believe a similar transformation is about to overtake the liquidity market. Technology disintermediates the intermediaries. Historically, banks and other financial intermediaries filled the information gap between suppliers of capital (depositors, investors) and users of capital. They also bridged the gap between risk takers and risk avoiders. Banks knew both sides of the trade and could comfortably stand between providers and users of capital who did not know each other. If a single bank did not know the counter party of a transaction, it could easily locate a correspondent bank that did. These intermediaries lowered the transaction costs and risks (friction) that separated borrowers from lenders. The result was the rapid global expansion of trade and commerce. Fintech is changing all that in five key ways: Technology is fast closing that information gap. It is putting more reliable and more up-to-date information in the hands of all the parties in any given transaction, reducing the need for an intermediary. Social networks such as LinkedIn and others allow buyers and sellers to connect and investigate each other directly. Peer-to-Peer networks and microfinance schemes bypass the financial intermediary entirely. Technology is powering broad based sweep programs that move excess funds out of even the smallest investor or depositor accounts, the intermediaries, and directly into the financial markets. Intelligent technologies, such as robo-advisors, use sophisticated algorithms to bypass the traditional channels. The upshot is that the intermediary role of financial institutions is being displaced. Truly immediate payments eclipse faster payments. Over the past several decades, payments have become faster, cheaper and more reliable. Checks used to take days in the mail and then days to clear once deposited. International funds transfers would pass through several banks, each taking a “lifting” fee as the funds slowly passed from originator to recipient. Fortunately, those days are over. Now, central banks, commercial banks and payment networks are all racing each other to make payments even speedier. This is all very good since timing delays in payments and the attendant information flows create risk and uncertainty as well as wreaking havoc with cash forecasts and liquidity cushions. In the US the Fed launched its Faster Payments task force with this statement: “The task force calls upon all stakeholders to seize this historic opportunity to realize the vision for a payment system in the United States that is faster, ubiquitous, broadly inclusive, safe, highly secure, and efficient by 2020.” Around the globe, the UK announced its Faster Payments Service in 2008. In 2017, the European Central Bank kicked off its TIPS program (TARGET Instant Payment Settlement) with the goal of “instant” payments 24/7 within the euro area. The Monetary Authority of Hong Kong launched the Faster Payments System initiative in 2018. No doubt, payments are becoming much faster, more secure and more universal. The benefits of these initiatives are immense. In faster payments, funds and information, however fast and efficient, must still flow between the originator, the originator’s payment processor and/or bank, a central bank, the recipient’s payment processor and/or bank before becoming settled funds in the recipients account with finality. Even the ECB, in its TIPS communique, defined instant payments as “a matter of seconds”. That is a huge improvement. However, as high-frequency traders and arbitrageurs know, “a matter of seconds” is an eternity in financial markets. We believe that there will be one more step beyond faster payments: truly immediate payments. These payments will settle instantly, anywhere, anytime. At present, it’s difficult to envision. Perhaps blockchain technology is providing us the first glimpse. This has the potential of eliminating the sequential process of moving money and information (however fast) among transactors, their intermediaries and their settlement network. Alternatively, the paradigm for instant payments might come from outside the industry. Consider this analogy with railroads. In the late 19th century, railroads competed with each other to provide faster, safer and cheaper options in moving both passengers and freight between two points. Yet, even in the heat of that competition, no one within the industry considered putting wings on rail cars. Ironically, most payment intermediaries today refer to their networks as “rails”. 20th century institutions and structures are realigned. Post-WWII, late 20th century institutions and structures are unraveling. But, because they are so ingrained in our psyche, these shifts seem incomprehensible. The magnitude and scope of their impact are difficult to assess. But we believe that this is a megatrend impacting Treasury, Money and Banking. Trade organizations and trade agreements are coming apart or are being realigned in material ways. To see just a few underway right now, look no farther than the Pacific trade agreements, NAFTA and the EU with Brexit. Countries are subtly shifting to bi-lateral rather than multi-lateral constructs. Structures are also giving way. SWIFT is caught in a tug of war between its nominal role as a funds transfer communication system and its externally imposed role of sanctions enforcer. LIBOR, the reference rate for several trillion dollars of actual debt and hundreds of trillions of dollars of derivatives is phasing out within the next two years. The financial world needs to be repapered! Government-Sponsored Enterprises (GSEs) are coming under scrutiny. Agencies such as Fannie Mae and Freddie Mac that provide government guarantees in order to meet a “social good” took shape following the early 20th century’s great depression. They have now grown into behemoths, and some lay the blame of the 2008 financial crisis at the doorstep of the housing GSEs. Although governments decried the size of these agencies and vowed to trim then, they have continued to grow since the crisis. Paradoxically, central banks need GSE to create the instruments that now sit on their swollen balance sheets. We believe that many of these agencies will be downsized over time. The 20th century financial and geopolitical world is changing, and all market participants must adapt. Currency takes on a new role. This megatrend is counter-intuitive, but the data are clear. For decades, we’ve heard that we’re moving toward a cashless society. One with everything on a card or in a chip. Not so. The evidence is that, over the last decade, currency in circulation as a percentage of GDP has nearly doubled worldwide. In the US, currency increased from $800 billion in 2006 to $1.7 trillion in late 2018. That’s hardly a cashless society. (Scandinavia is an exception we need to explore.) Central banks and academia are beginning to study this phenomenon. Some key hypotheses about factors contributing to this are currently being formulated. They include: Convenience – It’s easy to transact in cash. Low holding cost – In an ultra-low interest rate environment, cash is cheap. Privacy – Currency transactions (and barter) are the only types of economic activity that don’t inherently require a corresponding exchange of data. Historically, currency has defined the underground economy. We now see an emerging role for currency in the above-ground economy for market participants desiring and valuing privacy or anonymity. Store of Value – In negative interest rate environments we see in some parts of the world, there is actually an economic benefit to holding currency in order to retain value. More interestingly, in certain low interest rate environments, the low carrying costs, to many, seem like a small price to pay to hedge political or economic uncertainty. India is a fascinating case study in progress. In November 2016, India eliminated large denominated rupee notes that represented 86% of India’s currency. Citizens had the opportunity to exchange the notes for smaller denomination notes. The intent was to root out the underground economy and raise tax revenue. The ramifications were far reaching and still playing out. But Bloomberg offers one interesting conclusion: “Cash remains the most popular form of tender in India. Currency with the public has increased to 18.5 trillion rupees in August 2018 from 17.9 trillion rupees before demonetization.” That is a 3% increase in currency in spite of an 86% drop in large denominated notes! Again, economists at present are trying to understand the factors behind this trend. Obviously, however, this creates a nightmare for regulators and those managing monetary policy. The trend is both real and “Mega”. Alternative currencies gain acceptance. This megatrend challenges the definition of money itself – the gaining acceptance of alternative currencies including crypto currencies. In ancient times, post-barter, precious commodities were the prevailing instrument of exchange and store of value. These commodities had intrinsic value that resulted in their reliability and acceptance. The middle ages saw the emergence of fiat currencies. They had value because a government said they had value. The problem with pre-modern fiat currencies is that they could be easily debased. A ruling body could simply turn on the printing press. Current fiat currencies such as the dollar, euro, pound, etc. are much more stable than their predecessors. That’s because they are issued and backed by the full faith and credit of sovereign governments. They are managed with a “goal” of price stability by central banks. The track record is far from perfect and debasement examples abound, but it is certainly improved. Crypto technologies are now enabling a new genre of fiat currency: crypto currencies like bitcoin and others. They are not the product of precious metals or scarce commodities. They are not issued by governments (yet). They are not “full faith and credit” instruments. They are not managed by central backs. Proponents insist that this litany of “they are nots” is actually a benefit, not a shortcoming. Following the Subjective Theory of Value, crypto currencies have value because buyers and sellers believe they have value. They are fiat currencies without governments or central banks. Adherents argue that frees them from manipulation by governments or central banks and creates a universal value. Air-BnB, Uber and Lyft offer instructive examples. After all, who would invite a total stranger to spend a night in their homes or jump into a stranger’s car. A key thing these companies provide to the gig economy is a decentralized mechanism of trust (in contrast to the trusted “central” bank). In doing so, they have transformed industries. This could be the trajectory of certain crypto currencies. We believe that some alternative currencies will become mainstream. While they might not be both a universal store of value and medium of exchange, some might take hold as settlement vehicles for specific types of payments. Others, because of their distributed processing security, could be liquidity vehicles. Still others, because of their global nature, could eliminate the need for foreign exchange in global trade. We’ll explore the profound implication in later megatrend articles. Solutions for the underbanked take shape. 30% of the world’s population do not have bank accounts. Many more do not have access to a basic set of banking services. They must either transact in cash, barter or use third party payment services, which tend to be very expensive. Check cashing services, payday lending, money orders, money transfer services, etc. provide the underbanked with some ability to make payments, but at a high cost. The economic impact is significant. In addition to the direct cost that the underbanked pay to access the financial system, there is an even greater cost in terms of lost economic activity. The inability to easily transact reduces the level of transactions and depresses commerce and trade. Fortunately, new technologies could provide economically viable solutions for the underbanked in the three most critical financial functions: Payment system access – Currently, people and businesses need a bank account to initiate or receive payments. Solutions developed by payments intermediaries and enabled by blockchain will provide the underbanked with payment services, conceivably bypassing the banking system altogether. Store of value – Blockchain could become the system of record for certain types of financial assets. This promises to allow the underbanked to safely and securely accumulate financial assets without having bank accounts. Assets could even be denominated in traditional central bank currencies or in crypto currencies. Access to capital – Peer to peer lending and micro finance are already providing non-traditional access to capital for the underbanked. Technology will accelerate this trend and make these services available to a larger population. Bringing the underbanked into the mainstream of the world’s economies creates opportunities that are difficult to fully appreciate. Increased economic activity, improved standards of living, expansion of markets are just some of the benefits that await. In Conclusion , this paper has presented eleven megatrends impacting treasury, money and banking on a global scale. Some of these trends are natural extensions of technological innovation, others are regulatory work-arounds or the result of geopolitical forces well beyond the control of any single jurisdiction. The Carfang Group believes that each of these megatrends, individually, are transformational and collectively point to a potential radical change to the financial system. Future articles will consider each of these megatrends in greater depth. We welcome your feedback as we embark of this exploration. About the author: Anthony J. Carfang is Managing Director of The Carfang Group and has a distinguished background in consulting, writing, speaking, thought leadership and advocacy in the area of treasury, payments and liquidity. He encourages you to provide feedback on this article or any other issues to tony_carfang@carfang.com . You can follow Tony at https://www.linkedin.com/in/carfang/ © 2019 The Carfang Group, LLC. All rights reserved.

Privacy Policy This document was last updated on February 21, 2020, Privacy Policy: Survivingbreastcancer.org is committed to maintaining privacy protections for its users. This Privacy Policy governs the manner in which www.survivingbreastcancer.org (the “Organization”) collects, uses, maintains and discloses information collected from users (each, a "User") of the http://www.survivingbreastcancer.org website ("Site"). For purposes of this agreement, “Service” refers to the Organization’s service which can be accessed via our website at www.survivingbreastcancer.org in which users can find educational resources. The terms “we,” “us,” and “our” refer to the Organization. “You” refers to you, as a user of Service. By accepting our Privacy Policy and Terms of Use, you consent to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy. 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These include hosting and server co-location services, communications and content delivery networks (CDNs), data and cyber security services, billing and payment processing services, domain name registrars, fraud detection and prevention services, web analytics, e-mail distribution and monitoring services, session recording and remote access services, performance measurement and Such Third Party Services may receive or otherwise have access to our Visitors’ and Users’ Personal Information and/or Users-of-Users’ Personal Information, in its entirety or in part – depending on each of their particular roles and purposes in facilitating and enhancing our Services, and may only use it for such purposes. Note that while our Services may contain links to other websites or services, we are not responsible for such websites’ or services’ privacy practices, and encourage you to be aware when you leave our Services and read the privacy statements of each and every website and service you visit. 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We, therefore, encourage you to set strong passwords for your User Account and User Website and avoid providing us with any sensitive information that you believe its disclosure could cause you substantial or irreparable harm. Furthermore, because certain areas of our Services are less secure than others (for example, if you set your Support forum ticket to be “Public” instead of “Private”, or if you browse to a non-SSL page), and since e-mail and instant messaging are not recognized as secure forms of communications, we request and encourage you not to share any Personal Information on any of these areas or via any of these methods. California Online Privacy Protection Act CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. - See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf According to CalOPPA we agree to the following: Users can visit our site anonymously Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website. Our Privacy Policy link includes the word 'Privacy', and can be easily be found on the page specified above. Users will be notified of any privacy policy changes: • On our Privacy Policy Page Users are able to change their personal information: • By emailing us COPPA (Children Online Privacy Protection Act) When it comes to the collection of personal information from children under 13, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online. We do not specifically market to children under 13. Fair Information Practices The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur: We will notify the users via email • Within 7 business days We will notify the users via in site notification • Within 7 business days CAN SPAM Act The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. We collect your email address If at any time you would like to unsubscribe from receiving future emails, you can email us and we will promptly remove you from all correspondence.

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