How We Are Paid

Doyle Pittam Limited trading as Progressive Financial Services acts as an intermediary between you and the product providers or lenders with whom we arrange business.

We may be paid for our services through:

• Fees paid directly by you;
• Commission or other remuneration paid by a product provider or lender; or
• A combination of fees and commission.

The method by which we are paid will depend on the financial service and product involved. We will explain the basis of our remuneration before providing the relevant service.

Our remuneration arrangements do not affect our obligation to act honestly, fairly and professionally in your best interests or to recommend financial products that are suitable for you.

Fees Paid by You

We may charge a fee for services including financial advice, mortgage services, arranging a product, administration and ongoing reviews.

Where a fee applies, we will explain the amount of the fee, or how it is calculated, before providing the service.

Our current fees are set out in our Schedule of Fees and Charges and Terms of Business.

If we charge you a fee and also receive commission in connection with the same financial service, we will explain whether the commission will be offset against the fee, either in whole or in part, before the fee is charged.

Commission Paid by Product Providers and Lenders

We may receive commission when we arrange a financial product with a product provider or lender.

Commission may be calculated as:

• A percentage of the mortgage amount drawn down;
• A percentage of an insurance premium;
• A percentage of a pension contribution;
• A percentage of the amount invested;
• A percentage of the value of a policy, pension or investment fund;
• A fixed monetary amount; or
• A combination of initial and ongoing payments.

The amount of commission may differ depending on the provider, product, premium, contribution, investment amount, policy term and commission structure selected.

The applicable amounts and percentages are set out in the provider commission schedules below.

Mortgages

For mortgage business, Progressive Financial Services may receive commission from a lender or provider. This will generally be calculated as a percentage of the mortgage amount drawn down. In certain cases, we may receive a fixed referral fee. We do not receive ongoing or trail commission for mortgage business.

We may also charge you a separate mortgage fee. Where a fee applies, the amount will be disclosed and agreed with you before we provide the service. Commission clawback may apply if a mortgage is redeemed, refinanced, falls into arrears or otherwise ends within the relevant provider’s clawback period.

The applicable commission amounts, percentages, referral fees and clawback arrangements are detailed in our Mortgage Provider Commission Schedule.

Before providing a mortgage service, we will disclose directly to you the nature and amount of any applicable fee, commission or other remuneration. Where the exact amount is not known, we will explain how it will be calculated.

Protection Products

We may receive commission when arranging life assurance, mortgage protection, serious illness cover, income protection or another protection policy.

Depending on the provider and product, this may include:

• Initial commission;
• Indemnity commission; and
• Renewal or ongoing commission.

The amount payable may depend on the premium, type of cover, policy term, premium frequency and whether the policy remains in force.

If a policy is cancelled, reduced or lapses during the applicable clawback period, some or all of the commission may have to be repaid to the insurer.

Pensions, Investments and Savings

We may receive initial commission, ongoing trail commission, servicing remuneration or another agreed payment when arranging a pension, investment or savings product.

Initial commission is generally calculated as a percentage of the contribution or amount invested. Ongoing or trail commission is generally calculated as a percentage of the value of the policy, pension, plan or investment fund.

Where ongoing remuneration applies, we will explain:

• How the remuneration is calculated;
• The basis on which it is paid; and
• The ongoing service we have agreed to provide in return.

Commission clawback may apply where a product is cancelled, transferred, encashed or otherwise ends within the applicable clawback period.

Types of Commission

Initial Commission

Initial commission is generally a once-off payment made when a financial product is arranged.

Indemnity Commission

Indemnity commission is commission paid to us before it has been fully earned. If a policy is cancelled, reduced or lapses within a specified period, some or all of the commission may have to be repaid to the provider.

Trail or Renewal Commission

Trail or renewal commission is paid periodically while a product remains in force. It is generally connected with the ongoing servicing or review of the product.

Clawback

Clawback means that commission already paid to us must be repaid to a provider or lender because a product has been cancelled, transferred, repaid or otherwise ended within a specified period.

Clawback does not automatically result in an additional charge to you. Any separate charge payable by you will be disclosed and agreed with you in advance.

Non-Monetary Benefits

We may receive limited non-monetary benefits from product providers, such as product training, technical support, educational materials or attendance at product-related educational events.

These benefits are not accepted where their nature or value could impair our obligation to act honestly, fairly and professionally in your best interests.

Provider Commission Schedules

Our detailed provider commission schedules form part of this remuneration summary. They set out, where applicable:

• The amount or percentage of commission available;
• How the commission is calculated;
• Whether it is an initial, ongoing, trail or renewal payment;
• The circumstances in which commission may vary;
• Any applicable clawback period; and
• Details of other fees, administration costs or non-monetary benefits.

Information Provided to You

This page provides a general summary of our remuneration arrangements.

Before providing or arranging a financial service, we will give you the remuneration information applicable to that service. Where required, this information will be provided on paper or another durable medium and specifically brought to your attention.

Where the exact amount cannot be determined in advance, we will explain the method used to calculate it.

Before concluding a contract for a financial service, we will bring this remuneration summary to your attention and answer any questions you may have about our fees, commission or other remuneration.

Regulatory Information

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

Effective date: 24 March 2026

This remuneration summary will be reviewed and updated whenever our fees, provider appointments or remuneration arrangements change.