INCA IT-DG23 DRIVER

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. 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. 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. 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. A credit rating is not a recommendation to buy, sell or hold securities. 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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Some RBS products do not pay coupons. An investment in RBS products incca risks, including market risk, liquidity risk, and a possible loss of some or all of your investment. You should carefully read the relevant prospectus for the RBS product, including the “Risk Factors” section in the prospectus, before investing.

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Credit ratings may be subject to revision or withdrawal it-d2g3 any time by the assigning rating organization, and each rating should be evaluated independently of any other rating. 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 pricing supplements if you request by calling toll free 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.

Your return on investment will depend on the terms of the particular RBS product that you buy and how that product performs. We urge you to consult with your investment, legal, accounting, tax and other advisors with respect to any investment in RBS products.

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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. Any payment on RBS products will icna subject to the ability of the relevant RBS issuer and guarantor, if any, to pay their respective obligations when they become due.

Not for distribution to retail investors. 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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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.

An issuer credit rating does not it-db23 the performance or potential return on any RBS product. Our products enable investors to diversify their investment portfolio across multiple asset classes such as: About Issuer Credit Ratings An issuer credit rating reflects the assigning rating agency’s opinion of the issuer’s creditworthiness i.

A credit rating is not a recommendation to buy, sell or hold securities. It is expected that the proposed transfers will be implemented on a phased basis over a period ending December 31, You should carefully consider whether the RBS products are suited to your particular circumstances before you buy them.

For broker-dealer and registered investment adviser use only. 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.