Criticism of Spotify after its release, citing that all music on Spotify is available to both paid and free users. Coldplay previously delayed their album "Ghost Stories" from all streaming services for four months after CD, vinyl and download release, and did the same with its earlier album "Mylo Xyloto". Beyoncé's self-titled album was not available until 24 November 2014, nearly a year after its original release. Adele's "21" was not initially available on Spotify, as Adele wanted Spotify to make her album available to paid subscribers only, but not to free users. Spotify declined her offer to avoid creating separate catalogues for
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