Irish Life & Permanent PLC

RE: IRISH LIFE AND 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
18-OCT-2004 TO 17-JAN-2005 HAS BEEN FIXED AT 4.967500 PCT

DAY BASIS 91/365

INTEREST PAYABLE VALUE 17-JAN-2005 WILL AMOUNT TO:
GBP 123.85 PER GBP 10,000.00 DENOMINATION
GBP 1,238.47 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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