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x•rnar in-bottom:0 rmargin-left=px">From:"Atla=, Andrew <mailto » Subject: Royal Ba=k of Scotland 7.64

an Stan=ey note from earlier this year. Details:</=> Royal Bank of Scotland 7.64% Fixed-to-Float Preferred Shares<=> RBS 7.64% Perpetual Issuer:0 Royal Bk Scotland Grp Plc Par Value: 4> $1,000 S=curity Type: Preferred Stock QDI/DRD Eligible4e Yes / Yes<=> Cumulative: Non-Cumulative Rating: B1 / B+ Coupon (Deta

w 4.8104% vs 4.6871% Richard Kahn HBRK Associates Inc. 575 Lexington =venue 4th Floor New York, NY 10022 Begin =orwarded message: From: "Atlas, Andrew S" Subject: Trade Confirm RE: Royal Bank of =cotland 7.64% Fixed-to-Float Pfd Date: November 10, 2015 at 4:19:30 PM EST To: Richard Kahn < Rich, G

ant Morgan Stanley note from earlier this year. Details: Royal Bank of Scotland 7.64% Fixed-to-Float Preferred =hares RBS=7.64% Perpetual Issuer: Royal Bk Scotland Grp Plc Par=Value: =1,000 Security Type: Preferred Stock QDI/DRD =ligible Yes = Yes Cumulative: =on-Cumulative Rating: B1 / B+ 3 EFTA_R1_01597873

ll = Begin forwarded message: From: =/b>"Atlas, Andrew 5" < Subject: =/b>Royal Bank of =cotland 7.64% F

ier this year. EFTA_R1_01939811 EFTA02671084 Details: Royal Bank of Scotland 7.64% Fixed-to-Float Preferred =hares RBS=7.64% Perpetual Issuer: Royal Bk Scotland Grp Plc Par=Value: =1,000 Security Type: Preferred Stock QDI/DRD =ligible Yes = Yes Cumulative: =on-Cumulative Rating: B1 / B+ Coupon =Details): =.