My first opinion was a 64 I can also see it in an 65 holder pretty coin but for some reason it doesn't wow me.
They need to send back a checklist, to show you where the 7 points were deducted. (Beautiful coin.) People say that dealers don't get a break on grading, and that may be true. Let's say Heritage submitted this coin for grading. I believe the consensus would say that it doesn't come back at 63.