Irish Life & Permanent PLC

RE: IRISH LIFE & PERMANENT PLC
    GBP 50,000,000.00
    MATURING: 31-JAN-2005
    ISSUE DATE:12-JAN-2004
    ISIN: XS0183637395

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
29-OCT-2004 TO 30-NOV-2004 HAS BEEN FIXED AT 4.840000 PCT

DAY BASIS 32/365

INTEREST PAYABLE VALUE 30-NOV-2004 WILL AMOUNT TO:
GBP 424.33 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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