BANCAJA INTERNATIONAL FINANCE

RE: GRANITE MORTGAGES 03-1 PLC
EUR 600,000,000.00
MATURING: 22-Jan-2007
ISSUE DATE: 22-Jan-2002
ISIN: XS0141710029

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
22-Jul-2005 TO 24-Oct-2005 HAS BEEN FIXED AT 2.324000 PCT

DAY BASIS 94/360

INTEREST PAYABLE VALUE 24-Oct-2005 WILL AMOUNT TO:
EUR 606.82 PER EUR 100,000.00 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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