a. Never
b. When he or she has written approval from the firm

c. When he or she has written approval from the firm AND contributes equally to the account and shares equally in any losses that arise

d. Only if the agent's contributions to the account are two times GREATER than those of the client

Answer: C

It is considered fraudulent to commingle funds in an account, unless:
• Written authorization by the firm grants such.
• An agent contributes equally (monetarily) to the account.

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