Authorisation No: A000656/06

The Irish Financial Services Regulatory Authority ('Financial Regulator"), 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)

Mortgage & Assurance Services Limited

Shay Atkinson & Eamon Atkinson

Irish Life & Permanent tsb plc

Seniors Money Ireland Limited

PIBA Network Services Limited

KBC Mortgage Bank

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

For and on behalf of the Financial Regulator:

Signed: Mike Molloy

Signed: Fiona Strain

Financial Institutions and Funds Authorisation
10 SEP 2009

FINANCIAL REGULATOR