Spotify deals for an interest in going public, Spotify announced that artists will be able to make albums temporarily exclusive to the Premium service if they are part of Universal Music Group or Merlin Network. On 28 February 2018, Spotify filed for a direct listing on the New York Stock Exchange. Spotify's shares began trading on 3 April 2018. Spotify operates under a freemium business model (basic services are free, while additional features are offered via paid subscriptions). Spotify generates revenues by selling premium streaming subscriptions to users and advertising placements to third parties. In December 2013, the company launched a
RBS International be migrated to the NatWest brand, while business, commercial and corporate banking customers would remain under the RBS International brand. The NatWest trading name was changed to NatWest International in 2017, due to new ring-fencing legislation in the UK. RBS International The Royal Bank of Scotland International, trading under the NatWest International, RBS International and Coutts Crown Dependencies brands, is the offshore banking arm of The Royal Bank of Scotland Group. It provides a range of services to personal, business, commercial, corporate and financial intermediary customers from its base in St. Helier, Jersey. The Royal Bank of Scotland first began