IPM Irish Life&P.Gp

    Irish Life & Permanent PLC

RE: IRISH LIFE & 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
17-Jan-2005 TO 18-Apr-2005 HAS BEEN FIXED AT 4.933130 PCT.

DAY BASIS 91/365

INTEREST PAYABLE VALUE 18-Apr-2005 WILL AMOUNT TO
GBP 122.99 PER GBP 10,000.00 DENOMINATION.
GBP 1,229.90 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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