INCA IT-DG23 DRIVER

If a product or its underlying asset underperforms, your investment may result in a loss, which may be signi[]cant, regardless of RBS’ issuer credit ratings. Any payment on RBS products will be subject to the ability of the relevant RBS issuer and guarantor, if any, to pay their respective obligations when they become due. Before you invest, you should read the relevant prospectus in such registration statement and other documents that have been filed with the SEC for more complete information about the relevant RBS Entities and offerings. We urge you to consult with your investment, legal, accounting, tax and other advisors with respect to any investment in RBS products. RBS products are offered across a wide range of structures and risk-return pro[]les that are designed to cater to investors with varying investment objectives, risk tolerance and time horizons. Globally, RBS Group has a diversi[]ed customer base and provides a wide range of products and services to personal, commercial and large corporate and institutional customers.

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You should carefully consider whether the RBS products are suited to your particular circumstances before you buy them.

About Issuer Credit Ratings An issuer credit rating reflects the assigning rating agency’s opinion of the issuer’s creditworthiness i. Not for distribution to it-dg233 investors.

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You should carefully read the relevant prospectus for the RBS product, including the “Risk Factors” section in the prospectus, before investing. Our products enable investors to diversify it-dy23 investment portfolio across multiple asset classes such as: Alternatively, RBS plc, RBS NV, RBS Group, any underwriter or any dealer participating in the relevant offering will arrange to send you the relevant prospectus and ti-dg23 supplements if you request by calling toll free An issuer credit rating has no bearing on how much you may be entitled to be paid on an RBS product or what your return on investment may be.

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For broker-dealer and registered investment adviser use only. Globally, RBS Group has a diversi[]ed customer base and provides a wide range of products and services to personal, commercial and large corporate and institutional customers.

Your return on investment will depend on the terms of the particular RBS product that you buy and how that product performs. Any ina on RBS products will be subject to the ability of the relevant RBS issuer and guarantor, if any, to pay their respective obligations when they become due.

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Before you invest, you should read the relevant prospectus in such registration statement and other documents that have been filed with the SEC for more complete information about the ot-dg23 RBS Entities and offerings. A credit rating is not a recommendation to buy, sell or hold securities. RBS products are offered across a wide range of structures and risk-return pro[]les that are designed to cater to investors with varying investment objectives, risk tolerance and time horizons.

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An investment in RBS products involves risks, including market risk, liquidity risk, and a possible loss of some or all of your investment. If a product or its underlying asset underperforms, your investment may result in a loss, which may be signi[]cant, regardless of RBS’ issuer credit ratings. Some RBS products it-dg223 not pay coupons.

It is expected that the proposed transfers will be implemented on a phased basis over a period ending December 31, Credit ratings may be subject to revision or withdrawal at any time by the assigning rating organization, and each rating should it-ddg23 evaluated independently of any other rating.

We urge you to consult with your investment, legal, accounting, tax and other advisors with respect to any investment in RBS products.

An issuer credit rating does not enhance the performance or potential return on any RBS product.