Irish Life & Permanent PLC

RE: IRISH LIFE & PERMANENT PLC
    GBP 2,000,000.00
    MATURING: 14-Feb-2007
    ISSUE DATE:14-Feb-2002
    ISIN: XS0143127065

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
15-Nov-2004 TO 14-Feb-2005 HAS BEEN FIXED AT 4.890000 PCT

DAY BASIS 91/365

INTEREST PAYABLE VALUE 14-Feb-2005 WILL AMOUNT TO:
GBP 12.19 PER GBP 1,000.00 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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