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Royal Bk.of Scot. (81NQ)

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Wednesday 19 November, 2003

Royal Bk.of Scot.

Early Redemption

Royal Bank of Scotland Group

Royal Bank of Scotland Series 278 Floating/Fixed Rate Notes Due 12 Dec 2011 -
ISIN: XS0139794308

Please be advised that the above issue has been called at par on 12 December
2003. The outstanding balance is therefore zero.