The Governor and Company of the Bank of Scotland



RE: THE GOVERNOR AND COMPANY OF THE BANK OF SCOTLAND
    USD 450,000,000.00
    MATURING: 22/Nov/2012
    ISSUE DATE: 22/Nov/2002
    ISIN: XS0158462324

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
22/Aug/2006 TO 22/Nov/2006 HAS BEEN FIXED AT 5.899380 PCT

DAY BASIS 92/360

INTEREST PAYABLE VALUE 22/Nov/2006 WILL AMOUNT TO:
USD 15.08 PER USD 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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