IPM Irish Life&P.Gp

    Irish Life & Permanent PLC

RE: IRISH LIFE & PERMANENT PLC
    GBP 500,000,000.00
    MATURING: 16/Jan/2007
    ISSUE DATE: 16/Jan/2004
    ISIN: XS0183844264

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
10/Jul/2005 TO 17/Oct/2005 HAS BEEN FIXED AT 4.730630 PCT

DAY BASIS 91/365

INTEREST PAYABLE VALUE 17/Oct/2005 WILL AMOUNT TO:
GBP 117.94 PER GBP 10,000.00 DENOMINATION
GBP 1,179.42 PER GBP 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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