Irish Life & Permanent PLC

RE: IRISH LIFE AND PERMANENT PLC
    USD 12,159,000.00
    MATURING: 12-Apr-2005
    ISSUE DATE: 06-Apr-2001
    ISIN: XS0127600194

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
06-Jan-2005 TO 12-Apr-2005 HAS BEEN FIXED AT 2.674000 PCT

DAY BASIS 96/360

INTEREST PAYABLE VALUE 12-Apr-2005 WILL AMOUNT TO:
USD 7.13 PER USD 1,000.00 DENOMINATION
USD 713.07 PER USD 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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