1. I have an old Irish Permanent and/or Irish Life & Permanent share certificate. Are they still valid?

At an EGM held on the 15 December 2009, IL&P Shareholders approved a scheme of arrangement that would see a new group holding company called Irish Life & Permanent Group Holdings plc (IL&PGH) replace Irish Life & Permanent plc as the company listed on the Irish and London Stock Exchanges. This re-organisation took effect in mid January 2010 and new share certificates were issued to shareholders by the end of January 2010 to replace the old ones. The exchange was carried out on a one for one basis, so shareholders received the same number of shares in IL&PGH that they previously held in IL&P. Shareholders were also instructed to destroy any old IL&P share certificates as these were no longer valid. If you were a shareholder of Irish Life & Permanent plc on the 15th January 2010 and have not yet received a new share certificate in the new company (IL&PGH), you should arrange to contact Capita Registrars using the details below. If the share certificates you querying are in the name of Irish Life plc, please go to question 13. Capita Registrars Unit 5, Manor Street Business Park Manor Street Dublin 7 Telephone: 01 810 2400 (from outside the Republic of Ireland +353 1 810 2400) Facsimile: 01 810 2422 Email: enquiries@capitaregistrars.ie
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	2. How do I change my address?

Please download the Change of Address form and send it to Capita 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). The form must be signed by at least the first named shareholder where indicated. 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 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 Registrars Unit 5, Manor Street Business Park Manor Street Dublin 7 Telephone: 01 810 2400 (from outside the Republic of Ireland +353 1 810 2400) Facsimile: 01 810 2422 Email: enquiries@capitaregistrars.ie
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	3. How do I have my dividend paid into my bank account or change account details?

Firstly, what are the advantages of having a dividend paid by to your bank account? 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 Registrars. 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 Registrars, 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 Registrars 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 Shareholder Helpline (number below) and they will send you out a form. Capita Registrars Unit 5 Manor Street Business Park Manor Street Dublin 7 Telephone: 01 810 2400 (from outside the Republic of Ireland +353 1 810 2400) Facsimile: 01 810 2422 Email: enquiries@capitaregistrars.ie
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	4. How do I replace a lost share certificate?

Write to Capita Registrars to notify them that the share certificate(s) is/are missing. You should state: That you are a shareholder of Irish Life & Permanent Group Holdings plc. Your full name and address, as recorded on the Register of Shareholders. If possible the number(s) of the certificate(s) that is/are missing. Your investor code (which can be found on your share certificate or dividend counterfoil) 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. Please also state if the certificate(s) is/are lost or stolen. Your letter must be signed by at least one of the shareholders. Capita Registrars will send you a formal Letter of Indemnity for completion. The Letter of Indemnity should be signed and returned to Capita Registrars, together with two original utility bills, not more than 6 months old. If you are unable to provide these please supply one document from list A and one document from List B. Where a document appears in List A and List B, it may only be used as one source of evidence and it may not be used to verify both the name and address. The form must be signed by at least the first named shareholder where indicated. List A (i) A Current signed Irish Passport (ii) A current full Irish / EU driving licence (iii) A benefits book or original notification letters from the relevant benefits agency confirming the right to benefits (iv) Residence permit that is issued by the Department of Foreign Affairs to EU Nationals on sight of their own country passport (v) Most recent Revenue Commissioners Notice of Coding for Income Tax purposes or some other Inland Revenue notification (excluding P45 and P60) List B (vi) A utility bill or bank statement (except mobile phone bill) which is not more that 3 months old (vii) A current full Irish / EU driving licence (viii) Confirmation from electoral register / voters roll (Held in local Post Offices, Garda Siochana Stations or Public Libraries (ix) Local authority tax bill (valid for the current year), council rent card or tenancy agreement, benefits books (x) Solicitor's letter confirming recent house purchase or land registry confirmation together with documentary evidence of the previous address. An administration will be charged for the work involved in updating the register to reflect that the certificate(s) is/are missing and for issuing the Letter of Indemnity. A cheque for the relevant amount, made payable to Capita Registrars (Ireland) Limited, should be sent with completed indemnity form. 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. Note that the Indemnity form must be counter-signed by an insurance company that provides a countersigning service. Where the value of the missing shares is under €125 all fees will be waived. Once the completed Letter of Indemnity, supporting documentation and cheque for the relevant fees are returned to Capita Registrars, a replacement certificate will be issued to the address stated on the share certificate, unless instructed otherwise. Please click here to view the fees charged for this service. Capita Registrars Unit 5, Manor Street Business Park Manor Street Dublin 7 Telephone: 01 810 2400 (from outside the Republic of Ireland +353 1 810 2400)
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	5. How do I request a replacement Tax Voucher?

Please write to Capita Registrars, stating: You are a shareholder of Irish Life & Permanent Group Holdings plc Details of the Tax Voucher that you want replaced. Your full name and address. Dividend payment date(s). Please click here to view the fees charged for this service. Capita Registrars Unit 5, Manor Street Business Park Manor Street Dublin 7 Note: Details of dividend withholding tax (DWT) paid since 03/12/1999 are available online. Please go to Online Services to get details of your personal dividend payments.
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	6. How do I request a replacement Dividend Cheque?

Please write to the company's registrars, Capita Registrars, giving details of the dividend cheque that you require to be replaced ensuring that you give Irish Life & Permanent Group Holdings plc as the name of the Company in which you are a shareholder and your full name and address. The Registrars will require a fee in respect of their administration costs. The fee payment (made payable to Capita Registrars) must be included with your letter. Please click here to view the fees charged for this service. Capita Registrars Unit 5, Manor Street Business Park Manor Street Dublin 7
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	7. I have an uncashed Irish Pound Dividend Cheque - what should I do?

Please return any uncashed Irish pound cheques to Capita Registrars to obtain a replacement in euro. Please click here to view the fees charged for this service. Capita Registrars Unit 5, Manor Street Business Park Manor Street Dublin 7
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	8. How do I transfer my Irish Life & Permanent plc shares?

Irish Life & PermanentGroup Holdings plc 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 Registrars 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 Group Holdings plc. The type of share, i.e. ordinary shares in Irish Life & Permanent Group Holdings plc, and the amount to be transferred in both words and figures. The date of transfer. Stamp duty paid or exemption claimed. Capita Registrars Unit 5, Manor Street Business Park Manor Street Dublin 7 Telephone: 01 810 2400 (from outside the Republic of Ireland +353 1 810 2400) Facsimile: 01 810 2422 Email: enquiries@capitaregistrars.ie
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	9. 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 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 Group Holdings 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. If the account was held jointly with another person then enclose: Original Death Certificate. Share certificate(s) for amendment. Capita Registrars Unit 5, Manor Street Business Park Manor Street Dublin 7
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	10. 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 www.revenue.ie
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	11. How do I apply a change of name?

Private Shareholders: Please write to Capita Registrars, 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. Corporate Shareholders Please write to Capita Registrars enclosing an original or certified copy of the Certificate of Incorporation on Change of Name. Capita Registrars Unit 5 Manor Street Business Park Manor Street Dublin 7 Telephone: 01 810 2400 (from outside the Republic of Ireland +353 1 810 2400) Facsimile: 01 810 2422 Email: enquiries@capitaregistrars.ie
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	12. Can I have my Dividends paid in the form of shares?

Irish Life & Permanent Group Holdings plc does not currently offer the option of having dividends paid in the form of new shares. This is also known as a scrip dividend. Dividends can only be paid in form of cash.
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	13. I have an Irish Life plc Certificate - What do I do?

Following the merger of Irish life plc & Irish Permanent plc in 1999 all Irish life plc shares were converted to Irish Life & Permanent plc shares (1 Irish Life share = 0.6085 IL&P shares). If you have an Irish Life plc certificate that was not replaced, please contact Capita Registrars who will forward the necessary documentation to have a new share certificate issued to you. Capita Registrars Unit 5 Manor Street Business Park Manor Street Dublin 7 Telephone: 01 810 2400 (from outside the Republic of Ireland +353 1 810 2400) Facsimile: 01 810 2422 Email: enquiries@capitaregistrars.ie
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	14. How do I sell my Shares?

Irish Life & Permanent Group Holdings plc does not operate a share dealing service. If you wish to buy or sell shares, you should contact a stockbroker or you can you can transact using Capita Deal (an affiliate of Capita Registrars) who operate a telephone and online share dealing service (please note this is an execution only service provided independently of the company). Capita Deal - Lo call 1890 946 375 or go to capita deal.com A full list of stockbrokers is available on the Irish Stock Exchange website.
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	15. Can I check my shareholding Online?

Irish Life & Permanent Group Holdings plc ("IL&GP") in association with Capita Registrars offer shareholders of IL&GPH a range of online services: Account Enquiry Personal dividend history Share transaction history To find out more please go to My Shareholding.
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