We, Doyle Pittam Ltd trading as Progressive Financial Services, act as intermediary (Broker) between you the consumer and the product provider with whom we place your business. Below is our remuneration.

Our Remuneration

At Doyle Pittam Ltd trading as Progressive Financial Services we may be paid for the services we provide to clients by fees agreed with you, by commission or other remuneration paid by product providers or lenders, or by a combination of both, depending on the product and service involved. We will always explain the basis of our remuneration to you in advance of arranging or recommending a financial product or service.

We are committed to acting honestly, fairly and professionally in your best interests, and our remuneration arrangements must not impair that duty or our suitability obligations.

Types of remuneration

1. Fees paid by you
   In some cases, we may charge you a fee for advice, arranging a product, administration, or ongoing service. Where a fee applies, we will tell you the amount of the fee, or how it is calculated, in advance. If we also receive commission in connection with that service, we will explain whether that commission is offset against the fee in whole or in part.
2. Commission paid by product providers or lenders
   We may receive commission from product providers or lenders where we arrange or place business with them. This may apply to products such as life assurance, serious illness cover, income protection, pensions, investments, savings, and mortgages. Commission is generally calculated as a percentage of premiums paid, funds invested, or the amount borrowed, but in some cases may be a fixed amount.
3. Ongoing or trail commission
   For some products, particularly investment, pension, savings, and certain protection arrangements, we may receive ongoing remuneration from the product provider during the lifetime of the product. Where this applies, we will disclose the basis on which that remuneration is paid and the service we provide in return for it.
4. Non-monetary benefits
   We may also receive non-monetary benefits from product providers, such as training support, technical assistance, co-branded marketing support, hospitality, or attendance at product-related events. Where such benefits form part of agreed remuneration arrangements, they are included in this summary.

Commission models explained

Single commission
A once-off commission may be paid shortly after a product is arranged. This is common for certain mortgage, protection, and investment products.

Trail or renewal commission
This is paid at intervals over the life of the product and is usually linked to the ongoing servicing of the policy, plan, or investment.

Indemnity commission
This is commission paid to us before it is fully earned. If a policy or product is cancelled, lapses, or is repaid early within a specified period, some or all of that commission may have to be repaid to the product provider. This is known as clawback.

Clawback
Clawback means that commission already paid to us may have to be refunded to the product provider if the product ends or changes within a set period. This does not usually create an additional charge for you unless separately agreed in writing, but it is part of the remuneration arrangement we are required to disclose.

How remuneration works by product type

Mortgages
For mortgage business, we may receive commission from the lender, usually calculated as a percentage of the loan amount drawn down. We may also charge a separate broker fee where this has been agreed with you in advance. Before offering, recommending, arranging or providing the service, we will disclose directly to you any fee, commission or other remuneration received or receivable from the lender in relation to that mortgage service.

Life assurance, serious illness, income protection and other protection policies
We may receive initial commission and, in some cases, renewal commission from the insurer. The amount payable will vary by product provider and product type and may depend on premium level, policy term, premium frequency, and whether the policy remains in force.

Pensions, investments and savings
We may receive initial commission, ongoing trail commission, adviser servicing remuneration, or agreed fees, depending on the product structure and the provider. Where ongoing remuneration applies, we will explain the basis for that payment and the ongoing service we provide in return.

Provider arrangements

We hold appointments with a range of product providers and lenders. The remuneration available to us may differ between providers and products and may be expressed as a fixed fee, a percentage, a commission scale, or another agreed basis. Where exact amounts or percentages are known and agreed, they are set out below or in the linked provider schedule. Where an exact amount cannot be stated in advance, the method of calculation will be explained to you.

Illustrative provider disclosure table

Fee option and offsetting

Where we offer you the option of paying by fee, we will explain that option and the amount of the fee in advance. If we charge a fee and also receive commission in relation to the same financial service, we will specifically explain whether the commission is offset against the fee in whole or in part before any fee is charged.

Questions about remuneration

We will bring this remuneration summary to your attention before concluding a contract for a financial service, and we will answer any questions you have about how we are paid for the services we provide to you. If you would like exact provider-specific commission terms for a particular product, we will provide the relevant details in the course of our advice and recommendation process.

Regulatory disclosure

Doyle Pittam Ltd trading as Progressive Financial Services, is regulated by the Central Bank of Ireland.

Effective date

This remuneration summary is effective from 24^th March 2026 and will be reviewed and updated from time to time to reflect changes in provider arrangements, fees,