5 Year ROS
Hmmmm, I'm not sure that is actually a change from how it's always been. Having taken PAS back in mid 2008, my T&Cs instantly reflected the fact I had become PAS, although I didn't hit my 38 point for another year or so and my 5 years ROS hadn't started. It is, after all, a change in commission, so perhaps that is to be expected?