In Scotland the personal banner used since 1974 is based upon three ancient Scottish titles: Duke of Rothesay (heir apparent to the King of Scots), High Steward of Scotland and Lord of the Isles. The flag is divided into four quadrants like the arms of the Chief of Clan Stewart of Appin; the first and fourth quadrants comprise a gold field with a blue and silver checkered band in the centre; the second and third quadrants display a black galley on a silver field. The arms are differenced from those of Appin by the addition of an inescutcheon bearing the tressured lion rampant of Scotland; defaced by a plain label of three points Azure to indicate the heir apparent.