Shareholder Information

2 Mar 2005	Final Results Announcement 2004
16 Mar 2005	Ordinary Shares ex-dividend date
18 Mar 2005	Ordinary Shares record date
14 Apr 2005	Return date for receipt of Mandate Forms for the Dividend Reinvestment Plan for the final dividend 2004 and future dividends
27 Apr 2005	Annual General Meeting
4 May 2005	Preference Shares ex-dividend date
6 May 2005	Preference Shares record date
13 May 2005	Final Ordinary dividend 2004 payment date
31 May 2005	Preference Shares dividend payment date
6 June 2005	Last date by which CREST entitlement statements and New Ordinary share certificates will be posted and shareholder accounts credited
3 Aug 2005	Interim Results Announcement 2005
10 Aug 2005	Ordinary Shares ex-dividend date
12 Aug 2005	Ordinary Shares record date
7 Oct 2005	Interim Ordinary dividend 2005 payment date
2 Nov 2005	Preference Shares ex-dividend date
4 Nov 2005	Preference Shares record date
30 Nov 2005	Preference Shares dividend payment date

Dividend Reinvestment Plan
A Dividend Reinvestment Plan (‘the Plan’) will be introduced with effect from the 2004 Final Dividend payment. Shareholders will be sent full details of the Plan, including a mandate to elect to join the Plan, in the Annual General Meeting mailing in March 2005.

Shareholders who wish to participate in the Plan in respect of the final dividend (and for future dividends) are required to complete and return a Mandate Form to our Plan Administrator – Computershare Investor Services PLC, PO Box 1910, The Pavilions, Bridgwater Road, Bristol BS99 7DZ. A Mandate Form and a copy of the rules of the HBOS plc Dividend Reinvestment Plan can be obtained from our Plan Administrator by telephoning 0870 702 0102.

Investor Phone
As an HBOS shareholder, you can access a range of automated information on your shareholding, such as your share balance, dividend payments, and the HBOS share price, by calling 0870 702 0102. This service is available 24 hours a day, 7 days a week. The current HBOS share price is also available on our website www.HBOSplc.com

Halifax Share Dealing Limited (HSDL)
To buy or sell HBOS plc shares call HSDL on 08705 711 117. If you would like to find out more information about the services offered by HSDL please call 08457 22 55 25 or visit our website at www.halifax.co.uk/sharedealing. HSDL is authorised and regulated by the Financial Services Authority, is a member of the London Stock Exchange and is an Inland Revenue approved PEP and ISA Manager.

Internet
Visit our home page at www.HBOSplc.com

Registered Office
HBOS plc, The Mound, Edinburgh EH1 1YZ

Registered Number
SC218813

Share Register Analysis at 31 December 2004

Size of shareholding	Number of shareholders	%	Number of ordinary shares	%
1 – 200	954,340	38.83	164,149,260	4.18
201 – 1,000	1,370,585	55.76	531,015,636	13.53
1,001 – 5,000	124,296	5.06	169,815,356	4.32
5,001 – 10,000	4,001	0.16	28,588,451	0.73
10,001 – 50,000	3,027	0.12	59,558,640	1.52
50,001 – 100,000	439	0.02	30,731,647	0.78
over 100,000	1,279	0.05	2,941,800,376	74.94
Total	2,457,967	100	3,925,659,366	100

Useful Contacts
For general enquiries about your shares, call our Registrars on 0870 702 0102 or write to Computershare Investor Services PLC, PO Box 1909, The Pavilions, Bridgwater Road, Bristol BS99 7DS.

For Investor Relations enquiries please contact the Investor Relations team by email - investorrelations@HBOSplc.com