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
31-Dec-2004 TO 31-Jan-2005 HAS BEEN FIXED AT 4.870000 PCT.

DAY BASIS 31/365

INTEREST PAYABLE VALUE 31-Jan-2005 WILL AMOUNT TO
GBP 413.62 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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