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Investor Relations

Securitisations

As part of the group's strategy to diversify its sources of funding a number of securitisations of mortgage loans have been undertaken. Five of the seven securitisations undertaken to date relate to group's UK mortgage business, which is carried on through Capital Home Loans Ltd. These securitisations have been issued under the "Auburn" name, of these three remain outstanding. The other two mortgages securitisations have been in respect of loans originated in Ireland and these have been issued in the "Fastnet" name, one of these has matured. Under the terms of these securitisations, the rights of the providers of the related funds are limited to the mortgage loans in the securitised portfolios and any related income generated by the portfolios, without recourse to Irish Life & Permanent Group Holdings plc. Details of each of the securitisations are set out below.

Auburn 3 – UK Residential Mortgages

Originator: Capital Home Loans Ltd.
Loans: UK Mortgages (Residential and Buy-to-let)
Issuer: Auburn Securities 3 plc

Class Rating (Moody's) Amount GBP Final Maturity
A1 Aaa

£106m

2039
A2 Aaa

£268m

2039
M A2

£26m

2039

Investor Report – Jun 2010
Investor Report – May 2010
Investor Report – Apr 2010
Investor Report – Mar 2010
Investor Report – Feb 2010
Investor Report – Jan 2010
Investor Report – Dec 2009
Investor Report – Nov 2009
Investor Report – Oct 2009
Investor Report – Sep 2009
Investor Report – Aug 2009
Investor Report – Jul 2009
Investor Report – Jun 2009
Investor Report – May 2009
Investor Report – Apr 2009
Investor Report – Mar 2009
Investor Report – Feb 2009
Investor Report – Jan 2009
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Auburn 4 – UK Residential Mortgages

Originator: Capital Home Loans Ltd.
Loans: UK Mortgages (Residential and Buy-to-let)
Issuer: Auburn Securities 4 plc

Class Rating (Moody's) Amount GBP Final Maturity
A1 Aaa

£270m

2041
A2 Aaa

£597.5m

2041
M Aa2 £15m 2041
B Aa3 £40m 2041
C A3 £40m 2041
D Baa3 £25m 2041
E Ba2

£12.5m

2041

Investor Report – Jun 2010
Investor Report – May 2010
Investor Report – Apr 2010
Investor Report – Mar 2010
Investor Report – Feb 2010
Investor Report – Jan 2010
Investor Report – Dec 2009
Investor Report – Nov 2009
Investor Report – Oct 2009
Investor Report – Sep 2009
Investor Report – Aug 2009
Investor Report – Jul 2009
Investor Report – Jun 2009
Investor Report – May 2009
Investor Report – Apr 2009
Investor Report – Mar 2009
Investor Report – Feb 2009
Investor Report – Jan 2009

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Auburn 5 – UK Residential Mortgages

Originator: Capital Home Loans Ltd.
Loans: UK Mortgages (Residential and Buy-to-let)
Issuer: Auburn Securities 5 plc

Class Rating (Moody's) Amount GBP Final Maturity
A1 Aaa £130.5m 2041
A2 Aaa £255.6m 2041
M Aa1 £20m 2041
B Aa3 £9m 2041
C A2 £18m 2041
D Baa3 £11.25m 2041
E Ba2 £5.65m 2041

Investor Report – Jun 2010
Investor Report – May 2010
Investor Report – Apr 2010
Investor Report – Mar 2010
Investor Report – Feb 2010
Investor Report – Jan 2010
Investor Report – Dec 2009
Investor Report – Nov 2009
Investor Report – Oct 2009
Investor Report – Sep 2009
Investor Report – Aug 2009
Investor Report – Jul 2009
Investor Report – Jun 2009
Investor Report – May 2009
Investor Report – Apr 2009
Investor Report – Mar 2009
Investor Report – Feb 2009
Investor Report – Jan 2009

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Fastnet 2 – Irish Residential Mortgages

Originator: Irish Life & Permanent plc
Loans: Irish Residential Mortgages
Issuer: Fastnet Securities 2 plc

Class Rating (Moody's) Amount Euro Final Maturity
A1 Aaa €344m 2043
A2 Aaa €1,656m 2043
B Aa3 €50m 2043
C A2 €44m 2043
D Baa2 €56m 2043

Investor Report – Jun 2010
Investor Report – May 2010
Investor Report – Apr 2010
Investor Report – Mar 2010
Investor Report – Feb 2010
Investor Report – Jan 2010
Investor Report – Dec 2009
Investor Report – Nov 2009
Investor Report – Oct 2009
Investor Report – Sep 2009
Investor Report – Jul 2009
Investor Report – Jun 2009
Investor Report – May 2009
Investor Report – Apr 2009
Investor Report – Mar 2009
Investor Report – Feb 2009
Investor Report – Jan 2009
Irish Mortgage Book Securitisation – presentation
Irish Mortgage Book Securitisation – prospectus
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