The Central Bank of Ireland, in accordance with the provisions of Section 116 of the Consumer Credit Act, 1995 (as amended) and Section 33C of the Central Bank Act, 1942 (as amended), hereby authorises Dr. Gary Ellison whose principal place of business is

43, The Dunes, Portmarnock, Co. Dublin

to engage in the business of being a Mortgage Intermediary under the name(s) of:

Dr. Gary Ellison t/a Ellison Financial Consultants

on behalf of the following undertaking(s)

Shay Atkinson & Eamon Atkinson

KBC Bank Ireland plc

Irish Life & Permanent tsb plc

Seniors Money Ireland Limited

PIBA Network Services Limited

This authorisation is valid for a period of 10 Years commencing on 11 September 2006

For and on behalf of the Central Bank of Ireland:

Signed: John Coughlan

Signed: E. McSharry

FRetail Intermediaries
21 DEC 2011