A coated article includes a substrate, a first dielectric layer, a first metallic layer, a second dielectric layer, a second metallic layer, a third dielectric layer, a third metallic layer, a fourth dielectric layer, a fourth metallic layer and a fifth dielectric layer. At least one of the metallic layers is a discontinuous metallic layer having discontinuous metallic regions. An optional primer is positioned over any one of the metallic layers. Optionally a protective layer is provided as the outer most layer over the fifth dielectric layer.

A coating provides a high solar heat gain coefficient (SHGC) and a low overall heat transfer coefficient (U-value) to trap and retain solar heat. The coating and coated article are particularly useful for use in architectural transparencies in northern climates. The coating includes a first dielectric layer; a continuous metallic layer formed over at least a portion of the first dielectric layer, the metallic layer having a thickness less than 8 nm; a primer layer formed over at least a portion of the metallic layer; a second dielectric layer formed over at least a portion of the primer layer; and an overcoat formed over at least a portion of the second dielectric layer. When used on a No. 3 surface of a reference IGU, the coating provides a SHGC of greater than or equal to 0.6 and a U-value of less than or equal to 0.35.