The Company has a transparent approach towards the amount and methodology of its remuneration for its services and operates a policy of full disclosure as required by the Insurance Act 2000 as amended. The Company may receive payments from the product producer to whom orders are transmitted in the form of a proportion of the insurance contract premium (known as commission or brokerage and which varies depending upon the class of business) paid to us by the Product Provider, or in the form of a client fee payable by you or a combination of both. For investment and pension contracts our commission acceptance from Product Providers reflects the amount of your investment and the complexity of our service and your requirements and typically varies from 1% to 5% of monies contributed and/or 0.25% of the total funds under investment but in some circumstances may be higher or lower. Where commission sacrifice enhances the ultimate product benefits and values, the Company will offer you the option of client fee based remuneration with commission reinvested for your benefit. For Protection Products, commission is typically payable related to the policy terms and varies from 10% to 90% of first year premium and 3% to 5% of subsequent years premiums although in some instances it may be higher or lower. Where any commission is received from a Product Producer, details of these payments will be included in a product information document which you are legally entitled to receive before an application for a product is completed. The Company may also charge you a fee for services which do not involve the placement by The Company of a policy of insurance and in particular, if we advise upon or recommend to you a product offered by a product producer with whom we do not hold an appointment. This fee will reflect the average level of commission payable by other product producers for similar types of products. If we do this we will provide you with a written estimate of this in advance of providing any business service. Where we charge you a fee, based upon an hourly rate, it will be €250 per hour for directors, €175 per hour for senior executives and €150 per hour for others. We reserve the right to amend these fees should thecomplexity of the product or service require a higher fee. Any increase in our standard fee will be disclosed to you in advance.