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Digital Buffer linked to iShares MSCI Emerging          Add
Markets Index
78009KFL1
 Product Detail Underlying Detail Interactive Chart PDF Print

Ref.: USD 40.00 Bid: USD 95.65 Ask: USD 96.65 % change: -0.21 %**
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Last update: 08/10/11              View performance over: Push Bid
                               -----------------------------------


Product Facts                  Performance and Statistics
Product type          Buffered Daily high                   96.42
                  iShares MSCI Daily low                    94.70
Underlying    Emerging Markets
                   Index Fund  Yearly high (07/07/11)      107.63
Currency                 USD   Yearly low (08/08/11)        95.06
Issue Size               $ 499 All Time High (07/07/11)    107.63
(USD 000's)
                               All Time Low (07/16/10)      86.27
Maturity              04/30/13
Buffer                10.00 %  Codes
Strike                   41.51
                               CUSIP                    78009KFL1
Settlement            04/30/09
Date

Please read the relevant prospectus, which contains material terms of the
securities and important risks that you should consider, before investing.

Disclaimer

*If you are an individual investor and would like additional information about
the current offerings above, please contact your broker-dealer or financial
advisor. You should consult your financial and tax advisor to determine whether
a structured product is suitable for you and your investment needs and
objectives. You must make your own independent decisions regarding any
securities or financial instruments mentioned herein. You should consider
whether an investment strategy or the purchase or sale of any structured product
is appropriate for you in the light of your particular investment needs,
objectives, risk tolerance, and financial circumstances.

If you are a registered representative or a financial professional and would
like additional information about the offerings above, please contact Private
Investor Products North America at 1-866-PIP-IDEA (1-866-747-4332).

Information on the website regarding the performance of a security or the
underlying or any other financial instrument always relates to the past. Past
performance is not indicative of future results.

SEC Legend

The Royal Bank of Scotland N.V. ("RBS N.V.") and The Royal Bank of Scotland plc
("RBS plc") have each filed a registration statement (including a prospectus)
with the United States Securities and Exchange Commission (the "SEC") for the
offering of securities that are issued by RBS N.V. and guaranteed by RBS
Holdings N.V. or that are issued by RBS plc and guaranteed by The Royal Bank of
Scotland Group plc. Before you invest in any securities referenced on this
website, you should read the prospectus in the relevant registration statement
and other documents that have been filed with the SEC for more complete
information about relevant issuer and guarantor,


Top 5 Buffered

Annual Reset Coupon
Securities linked to the +0.95 %**
SandP 500
------------------------ ---------
Annual Reset Coupon
Securities linked to the +0.81 %**
SandP 500 Index
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Digital Buffer linked to +0.25 %**
the SandP 500
------------------------ ---------
Digital Buffer linked to +0.22 %**
the SandP 500
                         ---------
Digital Buffer linked to +0.20 %**
the SandP 500
------------------------

Download Prospectus (2 MB)

and their respective offerings. You may get these documents for free by visiting
EDGAR on the SEC's website at www.sec.gov. Alternatively, RBS N.V., RBS plc, or
their affiliates will arrange to send you the prospectus if you request it by
calling toll free 1-(888) 644-2048.

** From close of business yesterday

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