1. How do I change my address?
2. How do I have my dividend paid into my bank account or change
account details?
3. How do I replace a lost share certificate?
4. How do I request a replacement Tax Voucher?
5. How do I request a replacement Dividend Cheque?
6. I have an uncashed Irish Pound Dividend Cheque - what should I do?
7. How do I transfer my Irish Life & Permanent plc shares?
8. How do I advise the Company of the death of a shareholder?
9. What is Dividend Withholding Tax?
10. How do I apply a change of name?
11. Can I have my Dividends paid in the form of shares?
12. I have an Irish Life plc Certificate - What do I do?
13. How do I sell my Shares?
14. Can I check my shareholding Online?

1. How do I change my address?

Please download the Change of Address form and send it to Capita Corporate Registrars, quoting:

• Your name as it is recorded on the Register of Shareholders
• Full details of both your old and new addresses
• Your investor code (which can be found on your share certificate or dividend counterfoil).

In the case of a corporate shareholder, the Change of Address form should be signed by the appropriate authorised signatory, and the capacity of the signatory must be stated.

Alternatively, if you are unable to download the form, please contact the Capita Corporate Registrar's Helpline (number below) and they will send you out a form in the post. You may also advise us of your new address in writing without the use of the standard form by providing all the information that is required.

Capita Corporate Registrars Plc
Unit 5, Manor Street Business Park
Manor Street
Dublin 7

 Back to top

2. How do I have my dividend paid into my bank account or change
account details?

• It ensures receipt of your dividend in any designated bank account on the payment date, thus maximising interest.
  
• It ensures receipt of dividends even if changes of address have not been notified to Capita Corporate Registrars Plc.
  
• The risk of misappropriation is minimised. It saves you the need to lodge the dividend cheque into a bank account.

Please download a dividend mandate form and send it to Capita Corporate Registrars Plc, with:

• Your name as it is recorded on the Register of Shareholders.
  
• Your investor code (which can be found on your share certificate or dividend counterfoil).
  
• The form signed by all the shareholders where indicated.

When completing the form, please take particular care that the bank sort code and bank account number (or roll number if your account is held at a Building Society) are correct. The form should then be sent to Capita Corporate Registrars Plc for processing.

In the case of corporate shareholders, the mandate form must be stamped by your Bankers, and must have been signed by the appropriate number of authorised signatories. The capacities of the signatories must be stated.

Alternatively, if you are unable to download the form, please contact the Capita Corporate Shareholder Helpline (number below) and they will send you out a form.

Capita Corporate Registrars Plc
Unit 5
Manor Street Business Park
Manor Street
Dublin 7

 Back to top

3. How do I replace a lost share certificate?

Please write to Capita Corporate Registrars Plc to notify that the share certificate(s) is/are missing.

You should state:

• Your full name and address, as they are recorded on the Register of Shareholders, and if possible the number(s) of the certificate(s) that is/are missing.
• If you do not know the number(s) of the missing certificate(s) please provide the number(s) of the certificates still in your possession.
• If the certificate(s) is/are lost or stolen.

Your letter must be signed by at least one of the shareholders.

You will be sent a formal Letter of Indemnity for completion. If you wish to sell your shares, some Stockbrokers will accept the completed indemnity as cover for the missing certificate.

An administration fee of €45.00, including VAT, will be charged by the Company's Registrars for the work involved in updating the register to reflect that the certificate(s) is/are missing, and for issuing the Letter of Indemnity. If the certificate(s) is/are found after the Letter of Indemnity has been issued, the administration fee will still apply.

Please note that any transfers/sales using a certificate as cover where the certificate has been reported lost/stolen will be rejected, unless the Letter of Indemnity is returned with a letter confirming that the certificate has been found and enclosing payment for the administration fee. The register will then be amended to reflect that the certificate(s) has/have been found.

It may be necessary for the Indemnity form to be counter-signed by an insurance company or bank where the certificate is of high value.

Where the value of the missing shares is under €125 all fees will be waived.

Once the completed Letter of Indemnity and cheque for the relevant fees are returned to Capita Corporate Registrars Plc, a replacement certificate will be issued to the address, unless we are instructed otherwise.

Capita Corporate Registrars Plc
Unit 5, Manor Street Business Park
Manor Street
Dublin 7

Telephone: 01 810 2400 (from outside the Republic of Ireland +353 1 810 2400)

 Back to top

4. How do I request a replacement Tax Voucher?

Please write to Capita Corporate Registrars, stating:

• You are a shareholder of Irish Life & Permanent plc
• Details of the Tax Voucher that you want replaced.
• Your full name and address.
• Dividend payment date(s).

The fee for issuing replacement tax vouchers is €22.50 for the first voucher, and a further €4.75 per subsequent voucher. A cheque for the relevant amount, made payable to Capita Corporate Registrars Plc, should be sent with your request.

All charges quoted are inclusive of VAT.

Capita Corporate Registrars Plc
Unit 5, Manor Street Business Park
Manor Street
Dublin 7

 Back to top

5. How do I request a replacement Dividend Cheque?

Please write to the company’s registrars, Capita Corporate Registrars, giving details of the dividend cheque that you require to be replaced ensuring that you give Irish Life & Permanent as the name of the Company in which you are a shareholder and your full name and address. If the value of the original cheque is in excess of €50, the Registrars will require a fee of €16.70 in respect of their administration costs. The fee payment (made payable to Capita Corporate Registrars Plc) must be included with your letter.

All charges quoted are inclusive of VAT.

 Back to top

6. I have an uncashed Irish Pound Dividend Cheque - what should I do?

Please return any uncashed Irish pound cheques to Capita Corporate Registrars Plc to obtain a replacement in euro.

 Back to top

7. How do I transfer my Irish Life & Permanent plc shares?

Irish Life & Permanent is not permitted to give dealing advice to shareholders, or to sell shares on their behalf. You should contact your financial adviser or stockbroker in this regard.

In order to carry out a private share transfer, you should:
(a) download and complete a Stock Transfer form,
(b) arrange for the payment of stamp duty due to the Revenue (if appropriate), and
(c) send the completed stock transfer form to Capita Corporate Registrars Plc with the share certificate(s) covering at least the number of shares to be transferred.

The form will need to show the following information:

• Full name and address details for both transferor (the old owner(s)) and transferee (the new owner(s)).
• Signature(s) of all the transferor(s).
• The name of the company, i.e. Irish Life & Permanent plc.
• The type of share, i.e. ordinary shares in Irish Life & Permanent plc, and the amount to be transferred in both words and figures.
• The date of transfer.
• Stamp duty paid or exemption claimed.

Capita Corporate Registrars Plc
Unit 5, Manor Street Business Park
Manor Street
Dublin 7

 Back to top

8. How do I advise the Company of the death of a shareholder?

Dependent upon the type of shareholding (sole or joint holdings) certain documentation is required to amend the share register on the death of a shareholder. You should write to Capita Corporate Registrars (address below) stating:

• Full name of the shareholder, as shown on the deceased’s share certificate.
• Name of the company, i.e. Irish Life & Permanent plc, in which they held shares.

And enclose one of the following:

If the account was held solely in the name of the deceased:

• Original or Court Attested copy of an Irish Grant of Probate or Letters of Administration.
• For English, Northern Irish, Welsh and Scottish residents, an Original or Court Attested copy of an Irish Grant of Probate or Letters of Administration.
• Alternatively, if Irish Probate (or the equivalent) is not being sought due to the small value of the estate, you can apply in writing to the registrars to use our Small Estate Procedure, which is discretionary.

• Original Death Certificate.
• Share certificate(s) for amendment.

 Back to top

9. What is Dividend Withholding Tax?

In general, dividends paid and other distributions made by Irish resident companies are liable to a dividend withholding tax (DWT) at the standard rate of income tax, 20% as from January 2002. Where it applies, DWT is deducted by the company from the gross dividends paid in cash or as new units of ordinary stock issued in lieu of the cash dividend and is paid over by the company direct to the Revenue Commissioners. Exemptions can be obtained by non-residents of Ireland and certain categories of Irish resident shareholders. You should refer to your tax advisor or the Irish Revenue Commissioners for further information.

DWT Section
Office of the Revenue Commissioners
St Conlon's Road
Nenagh
Co Tipperary
Ireland

Telephone: 067 33533 (from outside the Republic of Ireland +353 67 33533)
Facsimile: 067 33822
Email: infodwt@revenue.ie

 Back to top

10. How do I apply a change of name?

Please write to Capita Corporate Registrars Plc, giving:

• The name(s) of the company(ies) in which you hold shares.
• Full details of both your old and new names.
• Your Investor Code - which can be found on your share certificates or dividend counterfoil.

Please enclose:

An original Marriage Certificate or Deed Poll

Or

A copy of a Statutory Declaration is also acceptable if it bears both your old and new signatures.

If a married woman wishes to revert to her maiden name after divorce we require:

A copy of the decree absolute together with her marriage certificate (to confirm her maiden name.

Or

A copy of the decree absolute together with her birth certificate if the marriage certificate is not available.

Please ensure that you give your old name in exactly the form in which it is recorded on the Register of Shareholders - this can be seen on your share certificate or dividend counterfoil.

Please write to Capita Corporate Registrars Plc enclosing an original or certified copy of the Certificate of Incorporation on Change of Name.

Capita Corporate Registrars Plc
Unit 5
Manor Street Business Park
Manor Street
Dublin 7

 Back to top

11. Can I have my Dividends paid in the form of shares?

 Back to top

12. I have an Irish Life plc Certificate - What do I do?

If you have an Irish Life plc certificate that was not replaced, please contact Capita Corporate Registrars who will forward the necessary documentation to have a new share certificate issued to you.

Capita Corporate Registrars Plc
Unit 5
Manor Street Business Park
Manor Street
Dublin 7

 Back to top

13. How do I sell my Shares?

The commission rates are as follows:

• Minimum Commission Charge - €100 (+ €15 for Certificate holders)
• Government stamp duty - 1% on purchases of Irish Securities
• For further information please contact you local branch of permanent tsb or call 1800-500-121

If you are not a customer of permanent tsb, you can sell you shares through your own bank or through any stockbroker.

 Back to top

14. Can I check my shareholding Online?

• Account Enquiry
• Personal dividend history
• Share transaction history

 Back to top