Irish Life & Permanent PLC

RE: IRISH LIFE & PERMANENT PLC
    EUR 750,000,000.00
    MATURING: 22/Sep/2006
    ISSUE DATE: 22/Sep/2003
    ISIN: XS0176264934

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
22/Dec/2004 TO 22/Mar/2005 HAS BEEN FIXED AT 2.302000 PCT

DAY BASIS 90/360

INTEREST PAYABLE VALUE 22/Mar/2005 WILL AMOUNT TO:
EUR 5.76 PER EUR 1,000.00 DENOMINATION
EUR 57.55 PER EUR 10,000.00 DENOMINATION
EUR 575.50 PER EUR 100,000.00 DENOMINATION

IF YOU HAVE ANY QUERIES PLEASE CONTACT THE RATE FIX DESK ON
TEL: 44 20 7508 3858/3855 OR FAX: 44 20 7508 3881
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