MONTHLY SERVICER'S STATEMENT BARCLAYS ......MONTHLY SERVICER'S STATEMENT BARCLAYS DRYROCK ISSUANCE...
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MONTHLY SERVICER'S STATEMENT BARCLAYS DRYROCK ISSUANCE TRUST Series 2014-1 MONTHLY PERIOD ENDING November 30, 2015 December 15, 2015 November 01, 2015 November 16, 2015 Record date Payment date Monthly period beginning Monthly period ending Previous payment date Interest period beginning Interest period ending Days in monthly period Days in interest period 29 30 November 30, 2015 November 30, 2015 November 16, 2015 December 14, 2015 TRUST RECEIVABLES INFORMATION $8,062,903,254.54 End of monthly period total receivables balance End of monthly period non-principal receivables balance $94,132,528.72 End of monthly period principal receivables balance $0.00 $7,968,770,725.82 Removal of principal receivables balance Removal of non-principal receivables balance $0.00 Addition of non-principal receivables balance $0.00 Addition of principal receivables balance $7,978,418,806.42 $91,512,218.43 Beginning of monthly period non-principal receivables balance Beginning of monthly period total receivables balance $7,886,906,587.99 Beginning of monthly period principal receivables balance $0.00 TRUST COLLECTIONS INFORMATION Total finance charge collections Recoveries Interchange Fees Finance charge collections Principal collections *Total payment rate (* Total payment rate does not include investment earnings) $37,016,791.23 $2,801,142.32 $74,766,576.49 $11,729,892.60 $1,854,913,497.33 24.33% $126,314,402.64 $24,824.91 Investment earnings on Issuer Accounts TRUST DEFAULT INFORMATION Default Amount / Total Gross Losses Total Recoveries Total Net Losses Portfolio Principal Balance Total Gross Losses as a percentage of the Portfolio Principal Balance Total Net Losses as a percentage of the Portfolio Principal Balance Number of accounts experiencing a loss Average Net Loss per account $21,986,408.96 $7,886,906,587.99 6,577 ($2,801,142.32) $19,185,266.64 3.35% 2.92% $2,917.02 1-30 days delinquent 31-60 days delinquent 61-90 days delinquent 91-120 days delinquent 121-150 days delinquent 151-180 days delinquent 181 and greater days delinquent $126,319,775.47 $48,111,345.24 $35,930,414.55 $30,136,359.64 $25,788,131.53 $21,866,950.25 $7,008.59 0.60% 1.57% 0.00% 0.27% 0.32% 0.37% 0.45% Delinquency Data Percentage Total receivables # accounts 13,579 39,255 9,610 7,677 6,470 5,489 3 TRANSFEROR INFORMATION Minimum Transferor Amount Percentage in Calendar Month Required Transferor Amount Percentage 6.00% 34.13% Transferor Percentage as of the Transferor Amount Measurement Date 34.89% ISSUER ACCOUNT INFORMATION Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41 Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
Transcript of MONTHLY SERVICER'S STATEMENT BARCLAYS ......MONTHLY SERVICER'S STATEMENT BARCLAYS DRYROCK ISSUANCE...
MONTHLY SERVICER'S STATEMENT
BARCLAYS DRYROCK ISSUANCE TRUST
Series 2014-1
MONTHLY PERIOD ENDING November 30, 2015
December 15, 2015
November 01, 2015
November 16, 2015
Record date
Payment date
Monthly period beginning
Monthly period ending
Previous payment date
Interest period beginning
Interest period ending
Days in monthly period
Days in interest period 29
30
November 30, 2015
November 30, 2015
November 16, 2015
December 14, 2015
TRUST RECEIVABLES INFORMATION
$8,062,903,254.54End of monthly period total receivables balance
End of monthly period non-principal receivables balance $94,132,528.72
End of monthly period principal receivables balance
$0.00
$7,968,770,725.82
Removal of principal receivables balance
Removal of non-principal receivables balance
$0.00
Addition of non-principal receivables balance $0.00
Addition of principal receivables balance
$7,978,418,806.42
$91,512,218.43Beginning of monthly period non-principal receivables balance
Beginning of monthly period total receivables balance
$7,886,906,587.99Beginning of monthly period principal receivables balance
$0.00
TRUST COLLECTIONS INFORMATION
Total finance charge collections
Recoveries
Interchange
Fees
Finance charge collections
Principal collections
*Total payment rate
(* Total payment rate does not include investment earnings)
$37,016,791.23
$2,801,142.32
$74,766,576.49
$11,729,892.60
$1,854,913,497.33
24.33%
$126,314,402.64
$24,824.91Investment earnings on Issuer Accounts
TRUST DEFAULT INFORMATION
Default Amount / Total Gross Losses
Total Recoveries
Total Net Losses
Portfolio Principal Balance
Total Gross Losses as a percentage of the Portfolio Principal Balance
Total Net Losses as a percentage of the Portfolio Principal Balance
Number of accounts experiencing a loss
Average Net Loss per account
$21,986,408.96
$7,886,906,587.99
6,577
($2,801,142.32)
$19,185,266.64
3.35%
2.92%
$2,917.02
1-30 days delinquent
31-60 days delinquent
61-90 days delinquent
91-120 days delinquent
121-150 days delinquent
151-180 days delinquent
181 and greater days delinquent
$126,319,775.47
$48,111,345.24
$35,930,414.55
$30,136,359.64
$25,788,131.53
$21,866,950.25
$7,008.59
0.60%
1.57%
0.00%
0.27%
0.32%
0.37%
0.45%
Delinquency Data Percentage Total receivables# accounts
13,579
39,255
9,610
7,677
6,470
5,489
3
TRANSFEROR INFORMATION
Minimum Transferor Amount Percentage in Calendar Month
Required Transferor Amount Percentage 6.00%
34.13%
Transferor Percentage as of the Transferor Amount Measurement Date 34.89%
ISSUER ACCOUNT INFORMATION
Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41
Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
BARCLAYS DRYROCK ISSUANCE TRUST
11.3676%Series 2014-1 Principal Allocation Percentage
11.3676%Series 2014-1 Floating Allocation Percentage
Series 2014-1 Allocation amount $896,551,000.00
$896,551,000.00Series 2014-1 Stated Principal Amount
Scheduled start of accumulation period 08/01/2016
Expected Final Payment Date 02/15/2017
Series Name 2014-1
Current period USD LIBOR 0.20%
Class Details Total Interest Rate Stated Principal AmountMargin
$650,000,000.00 0.36%Class A 0.56%
$246,551,000.00 0.00%Class B 0.00%
ALLOCATION OF SERIES 2014-1 AVAILABLE FINANCE CHARGE COLLECTIONS
Series 2014-1 Available Finance Charge Collections1) $14,361,722.13
Class A Notes
Class A Additional Interest and Class A Additional Interest previously due but not paidClass A Monthly Interest previously due but not paid
Class A Monthly Interest
2)
a)
b)c)
$291,651.39
$0.00$0.00
Series 2014-1 Servicing Fee paid to Servicer3)
Series 2014-1 Servicing Fee, previously due but not paid4)
$1,509,761.57
$0.00
Class B Notes
Class B Additional Interest and Class B Additional Interest previously due but not paid
Class B Monthly Interest previously due but not paid
Class B Monthly Interest
5)
a)
b)
c)
$0.00
$0.00
$0.00
Series 2014-1 Default Amount treated as Series 2014-1 Available Principal Collections
Holder of the Transferor Interest
Shared Excess Available Finance Charge Collections available for allocation to other series in
In the event of default and acceleration, the Outstanding Dollar Principal Amount of the notes treated
Accumulation Reserve Account funding
Unreimbursed Investor Charge-offs and Reallocated Principal Collections treated as Series 2014-1
6)
7)
8)
9)
10)
12)
$0.00
$0.00
$10,060,985.00
$10,060,985.00
Amount due under any other obligations of Barclays Dryrock Issuance Trust under the Transaction
Documents
11)
$0.00
Available Principal Collections
Shared Excess Available Finance Charge Collections (Group 1)
as Series 2014-1 Available Principal Collections
$2,499,324.17
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 2014-1
Class A Monthly Interest and Class A Additional Interest and any past due amounts
2)
$0.00
Unpaid Servicing Fee
Class B Monthly Interest and Class B Additional Interest and any past due amounts
Default Amount treated as Available Principal Collections
Unreimbursed Investor charge-offs and Reallocated Principal Collections treated as Series 2014-1
Available Principal Collections
Accumulation Reserve Account
Holder of the Transferor Interest
3)
4)
5)
6)
7)
8)
1)
$0.00
$0.00
$0.00
$0.00
$0.00
Series 2014-1 Available Finance Charge Collections Shortfall
9)
$0.00
$0.00
Shared Excess Available Finance Charge Collections allocated to Series 2014-1 $0.00
SERIES 2014-1 AVAILABLE PRINCIPAL COLLECTIONS
Principal Collections allocated to Series 2014-1
less Reallocated Principal Collections
plus Series Default Amount Paid from finance charge collections
plus an amount equal to the sum of Investor Charge-offs and the amount of Reallocated Principal
Collections previously not reimbursed, paid by Available Finance Charge Collections
Series 2014-1 Available Principal Collections
$210,858,913.10
$2,499,324.17
$0.00
$213,358,237.27
$0.00
Series 2014-1 Available Principal Collections, less any amount released and used to purchase
Receivables under Section 4.01(f) of the Series 2014-1 Indenture Supplement $60,485,401.79
APPLICATION OF SERIES 2014-1 AVAILABLE PRINCIPAL COLLECTIONS DURING REVOLVING PERIOD
Shared Excess Available Principal Collections1) $60,485,401.79
APPLICATION OF SERIES 2014-1 PRINCIPAL COLLECTIONS DURING CONTROLLED ACCUMULATION PERIOD
2)
1) $0.00
Shared Excess Available Principal Collections
Amount deposited in the Principal Funding Account
$0.00
APPLICATION OF SERIES 2014-1 AVAILABLE PRINCIPAL COLLECTIONS DURING EARLY AMORTIZATION PERIOD
1)
2)
3)
Paid to the Class B Noteholders
Paid to the Class A Noteholders
Shared Excess Available Principal Collections
$0.00
$0.00
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE PRINCIPAL COLLECTIONS ALLOCATED TO SERIES 2014-1
1)
2)
3)
3a)
Series 2014-1 Principal Collections Shortfall
Shared Excess Available Principal Collections
During the Controlled Accumulation Period:
Amount deposited in the Principal Funding Account
4)
4a)
4a)
During the Early Amortization Period:
Paid to the Class A Noteholders
Paid to the Class B Noteholders
$0.00
$0.00
$0.00
$0.00
$0.00
Holder of the Transferor Interest $60,485,401.79
SERIES 2014-1 ACCOUNT INFORMATION
Beginning balance
Current deposit
Accumulation Reserve Draw Amount
Ending Balance
Accumulation Reserve Account balance
$0.00
$0.00
$0.00
$0.00
Beginning balance
Current deposit
Paid to the Class A Noteholders
Paid to the Class B Noteholders
Ending Balance
Principal Funding Account balance
$0.00
$0.00
$0.00
$0.00
$0.00
SERIES 2014-1 PERFORMANCE DATA
13.49%
Portfolio Yield Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Base Rate
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Excess Spread Percentage
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Quarterly Excess Spread Percentage
Is the Quarterly Excess Spread Percentage greater than the Required Excess Spread Percentage?
13.77%
12.98%
13.41%
2.43%
2.41%
15.88%
16.20%
15.39%
2.39%
Yes
Required Excess Spread Percentage 0.00%
To the knowledge of the undersigned, no Early Amortization Event or Early Redemption Event has occurred.
Capitalized terms used in the Monthly Servicer's Statement have their respective meanings set forth in the Indenture, Indenture
Supplement and the Servicing Agreement
At the date of this report, the Transferor as “originator” for the purposes of EU Regulation no. 575/2013 (the “CRR”) retains an economic
interest in Barclays Dryrock Issuance Trust in the form of the minimum transferor interest (option(b)) in accordance with Article 405 of the
CRR. The current transferor interest in disclosed in the relevant section of this report.
BARCLAYS BANK DELAWARE, as Servicer
By: /s/ Yasser Rezvi
Name: Yasser Rezvi
Title: Treasurer
MONTHLY SERVICER'S STATEMENT
BARCLAYS DRYROCK ISSUANCE TRUST
Series 2014-2
MONTHLY PERIOD ENDING November 30, 2015
December 15, 2015
November 01, 2015
November 16, 2015
Record date
Payment date
Monthly period beginning
Monthly period ending
Previous payment date
Interest period beginning
Interest period ending
Days in monthly period
Days in interest period 29
30
November 30, 2015
November 30, 2015
November 16, 2015
December 14, 2015
TRUST RECEIVABLES INFORMATION
$8,062,903,254.54End of monthly period total receivables balance
End of monthly period non-principal receivables balance $94,132,528.72
End of monthly period principal receivables balance
$0.00
$7,968,770,725.82
Removal of principal receivables balance
Removal of non-principal receivables balance
$0.00
Addition of non-principal receivables balance $0.00
Addition of principal receivables balance
$7,978,418,806.42
$91,512,218.43Beginning of monthly period non-principal receivables balance
Beginning of monthly period total receivables balance
$7,886,906,587.99Beginning of monthly period principal receivables balance
$0.00
TRUST COLLECTIONS INFORMATION
Total finance charge collections
Recoveries
Interchange
Fees
Finance charge collections
Principal collections
*Total payment rate
(* Total payment rate does not include investment earnings)
$37,016,791.23
$2,801,142.32
$74,766,576.49
$11,729,892.60
$1,854,913,497.33
24.33%
$126,314,402.64
$24,824.91Investment earnings on Issuer Accounts
TRUST DEFAULT INFORMATION
Default Amount / Total Gross Losses
Total Recoveries
Total Net Losses
Portfolio Principal Balance
Total Gross Losses as a percentage of the Portfolio Principal Balance
Total Net Losses as a percentage of the Portfolio Principal Balance
Number of accounts experiencing a loss
Average Net Loss per account
$21,986,408.96
$7,886,906,587.99
6,577
($2,801,142.32)
$19,185,266.64
3.35%
2.92%
$2,917.02
1-30 days delinquent
31-60 days delinquent
61-90 days delinquent
91-120 days delinquent
121-150 days delinquent
151-180 days delinquent
181 and greater days delinquent
$126,319,775.47
$48,111,345.24
$35,930,414.55
$30,136,359.64
$25,788,131.53
$21,866,950.25
$7,008.59
0.60%
1.57%
0.00%
0.27%
0.32%
0.37%
0.45%
Delinquency Data Percentage Total receivables# accounts
13,579
39,255
9,610
7,677
6,470
5,489
3
TRANSFEROR INFORMATION
Minimum Transferor Amount Percentage in Calendar Month
Required Transferor Amount Percentage 6.00%
34.13%
Transferor Percentage as of the Transferor Amount Measurement Date 34.89%
ISSUER ACCOUNT INFORMATION
Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41
Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
BARCLAYS DRYROCK ISSUANCE TRUST
10.9304%Series 2014-2 Principal Allocation Percentage
10.9304%Series 2014-2 Floating Allocation Percentage
Series 2014-2 Allocation amount $862,068,000.00
$862,068,000.00Series 2014-2 Stated Principal Amount
Scheduled start of accumulation period 05/01/2016
Expected Final Payment Date 05/15/2017
Series Name 2014-2
Current period USD LIBOR 0.20%
Class Details Total Interest Rate Stated Principal AmountMargin
$625,000,000.00 0.34%Class A 0.54%
$237,068,000.00 0.00%Class B 0.00%
ALLOCATION OF SERIES 2014-2 AVAILABLE FINANCE CHARGE COLLECTIONS
Series 2014-2 Available Finance Charge Collections1) $13,809,343.91
Class A Notes
Class A Additional Interest and Class A Additional Interest previously due but not paidClass A Monthly Interest previously due but not paid
Class A Monthly Interest
2)
a)
b)c)
$270,364.58
$0.00$0.00
Series 2014-2 Servicing Fee paid to Servicer3)
Series 2014-2 Servicing Fee, previously due but not paid4)
$1,451,693.41
$0.00
Class B Notes
Class B Additional Interest and Class B Additional Interest previously due but not paid
Class B Monthly Interest previously due but not paid
Class B Monthly Interest
5)
a)
b)
c)
$0.00
$0.00
$0.00
Series 2014-2 Default Amount treated as Series 2014-2 Available Principal Collections
Holder of the Transferor Interest
Shared Excess Available Finance Charge Collections available for allocation to other series in
In the event of default and acceleration, the Outstanding Dollar Principal Amount of the notes treated
Accumulation Reserve Account funding
Unreimbursed Investor Charge-offs and Reallocated Principal Collections treated as Series 2014-2
6)
7)
8)
9)
10)
12)
$0.00
$0.00
$9,684,090.29
$9,684,090.29
Amount due under any other obligations of Barclays Dryrock Issuance Trust under the Transaction
Documents
11)
$0.00
Available Principal Collections
Shared Excess Available Finance Charge Collections (Group 1)
as Series 2014-2 Available Principal Collections
$2,403,195.63
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 2014-2
Class A Monthly Interest and Class A Additional Interest and any past due amounts
2)
$0.00
Unpaid Servicing Fee
Class B Monthly Interest and Class B Additional Interest and any past due amounts
Default Amount treated as Available Principal Collections
Unreimbursed Investor charge-offs and Reallocated Principal Collections treated as Series 2014-2
Available Principal Collections
Accumulation Reserve Account
Holder of the Transferor Interest
3)
4)
5)
6)
7)
8)
1)
$0.00
$0.00
$0.00
$0.00
$0.00
Series 2014-2 Available Finance Charge Collections Shortfall
9)
$0.00
$0.00
Shared Excess Available Finance Charge Collections allocated to Series 2014-2 $0.00
SERIES 2014-2 AVAILABLE PRINCIPAL COLLECTIONS
Principal Collections allocated to Series 2014-2
less Reallocated Principal Collections
plus Series Default Amount Paid from finance charge collections
plus an amount equal to the sum of Investor Charge-offs and the amount of Reallocated Principal
Collections previously not reimbursed, paid by Available Finance Charge Collections
Series 2014-2 Available Principal Collections
$202,748,891.59
$2,403,195.63
$0.00
$205,152,087.22
$0.00
Series 2014-2 Available Principal Collections, less any amount released and used to purchase
Receivables under Section 4.01(f) of the Series 2014-2 Indenture Supplement $58,158,976.20
APPLICATION OF SERIES 2014-2 AVAILABLE PRINCIPAL COLLECTIONS DURING REVOLVING PERIOD
Shared Excess Available Principal Collections1) $58,158,976.20
APPLICATION OF SERIES 2014-2 PRINCIPAL COLLECTIONS DURING CONTROLLED ACCUMULATION PERIOD
2)
1) $0.00
Shared Excess Available Principal Collections
Amount deposited in the Principal Funding Account
$0.00
APPLICATION OF SERIES 2014-2 AVAILABLE PRINCIPAL COLLECTIONS DURING EARLY AMORTIZATION PERIOD
1)
2)
3)
Paid to the Class B Noteholders
Paid to the Class A Noteholders
Shared Excess Available Principal Collections
$0.00
$0.00
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE PRINCIPAL COLLECTIONS ALLOCATED TO SERIES 2014-2
1)
2)
3)
3a)
Series 2014-2 Principal Collections Shortfall
Shared Excess Available Principal Collections
During the Controlled Accumulation Period:
Amount deposited in the Principal Funding Account
4)
4a)
4a)
During the Early Amortization Period:
Paid to the Class A Noteholders
Paid to the Class B Noteholders
$0.00
$0.00
$0.00
$0.00
$0.00
Holder of the Transferor Interest $58,158,976.20
SERIES 2014-2 ACCOUNT INFORMATION
Beginning balance
Current deposit
Accumulation Reserve Draw Amount
Ending Balance
Accumulation Reserve Account balance
$0.00
$0.00
$0.00
$0.00
Beginning balance
Current deposit
Paid to the Class A Noteholders
Paid to the Class B Noteholders
Ending Balance
Principal Funding Account balance
$0.00
$0.00
$0.00
$0.00
$0.00
SERIES 2014-2 PERFORMANCE DATA
13.50%
Portfolio Yield Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Base Rate
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Excess Spread Percentage
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Quarterly Excess Spread Percentage
Is the Quarterly Excess Spread Percentage greater than the Required Excess Spread Percentage?
13.79%
13.00%
13.43%
2.41%
2.40%
15.88%
16.20%
15.39%
2.38%
Yes
Required Excess Spread Percentage 0.00%
To the knowledge of the undersigned, no Early Amortization Event or Early Redemption Event has occurred.
Capitalized terms used in the Monthly Servicer's Statement have their respective meanings set forth in the Indenture, Indenture
Supplement and the Servicing Agreement
At the date of this report, the Transferor as “originator” for the purposes of EU Regulation no. 575/2013 (the “CRR”) retains an economic
interest in Barclays Dryrock Issuance Trust in the form of the minimum transferor interest (option(b)) in accordance with Article 405 of the
CRR. The current transferor interest in disclosed in the relevant section of this report.
BARCLAYS BANK DELAWARE, as Servicer
By: /s/ Yasser Rezvi
Name: Yasser Rezvi
Title: Treasurer
MONTHLY SERVICER'S STATEMENT
BARCLAYS DRYROCK ISSUANCE TRUST
Series 2014-3
MONTHLY PERIOD ENDING November 30, 2015
December 15, 2015
November 01, 2015
November 16, 2015
Record date
Payment date
Monthly period beginning
Monthly period ending
Previous payment date
Interest period beginning
Interest period ending
Days in monthly period
Days in interest period 30
30
November 30, 2015
November 30, 2015
November 16, 2015
December 14, 2015
TRUST RECEIVABLES INFORMATION
$8,062,903,254.54End of monthly period total receivables balance
End of monthly period non-principal receivables balance $94,132,528.72
End of monthly period principal receivables balance
$0.00
$7,968,770,725.82
Removal of principal receivables balance
Removal of non-principal receivables balance
$0.00
Addition of non-principal receivables balance $0.00
Addition of principal receivables balance
$7,978,418,806.42
$91,512,218.43Beginning of monthly period non-principal receivables balance
Beginning of monthly period total receivables balance
$7,886,906,587.99Beginning of monthly period principal receivables balance
$0.00
TRUST COLLECTIONS INFORMATION
Total finance charge collections
Recoveries
Interchange
Fees
Finance charge collections
Principal collections
*Total payment rate
(* Total payment rate does not include investment earnings)
$37,016,791.23
$2,801,142.32
$74,766,576.49
$11,729,892.60
$1,854,913,497.33
24.33%
$126,314,402.64
$24,824.91Investment earnings on Issuer Accounts
TRUST DEFAULT INFORMATION
Default Amount / Total Gross Losses
Total Recoveries
Total Net Losses
Portfolio Principal Balance
Total Gross Losses as a percentage of the Portfolio Principal Balance
Total Net Losses as a percentage of the Portfolio Principal Balance
Number of accounts experiencing a loss
Average Net Loss per account
$21,986,408.96
$7,886,906,587.99
6,577
($2,801,142.32)
$19,185,266.64
3.35%
2.92%
$2,917.02
1-30 days delinquent
31-60 days delinquent
61-90 days delinquent
91-120 days delinquent
121-150 days delinquent
151-180 days delinquent
181 and greater days delinquent
$126,319,775.47
$48,111,345.24
$35,930,414.55
$30,136,359.64
$25,788,131.53
$21,866,950.25
$7,008.59
0.60%
1.57%
0.00%
0.27%
0.32%
0.37%
0.45%
Delinquency Data Percentage Total receivables# accounts
13,579
39,255
9,610
7,677
6,470
5,489
3
TRANSFEROR INFORMATION
Minimum Transferor Amount Percentage in Calendar Month
Required Transferor Amount Percentage 6.00%
34.13%
Transferor Percentage as of the Transferor Amount Measurement Date 34.89%
ISSUER ACCOUNT INFORMATION
Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41
Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
BARCLAYS DRYROCK ISSUANCE TRUST
11.5969%Series 2014-3 Principal Allocation Percentage
11.5969%Series 2014-3 Floating Allocation Percentage
Series 2014-3 Allocation amount $914,635,000.00
$914,635,000.00Series 2014-3 Stated Principal Amount
Scheduled start of accumulation period 09/01/2018
Expected Final Payment Date 09/16/2019
Series Name 2014-3
Class Details Total Interest Rate Stated Principal AmountMargin
$750,000,000.00Class A 2.41%
$164,635,000.00 0.00%Class B 0.00%
ALLOCATION OF SERIES 2014-3 AVAILABLE FINANCE CHARGE COLLECTIONS
Series 2014-3 Available Finance Charge Collections1) $14,651,407.12
Class A Notes
Class A Additional Interest and Class A Additional Interest previously due but not paidClass A Monthly Interest previously due but not paid
Class A Monthly Interest
2)
a)
b)c)
$1,506,250.00
$0.00$0.00
Series 2014-3 Servicing Fee paid to Servicer3)
Series 2014-3 Servicing Fee, previously due but not paid4)
$1,540,214.50
$0.00
Class B Notes
Class B Additional Interest and Class B Additional Interest previously due but not paid
Class B Monthly Interest previously due but not paid
Class B Monthly Interest
5)
a)
b)
c)
$0.00
$0.00
$0.00
Series 2014-3 Default Amount treated as Series 2014-3 Available Principal Collections
Holder of the Transferor Interest
Shared Excess Available Finance Charge Collections available for allocation to other series in
In the event of default and acceleration, the Outstanding Dollar Principal Amount of the notes treated
Accumulation Reserve Account funding
Unreimbursed Investor Charge-offs and Reallocated Principal Collections treated as Series 2014-3
6)
7)
8)
9)
10)
12)
$0.00
$0.00
$9,055,205.38
$9,055,205.38
Amount due under any other obligations of Barclays Dryrock Issuance Trust under the Transaction
Documents
11)
$0.00
Available Principal Collections
Shared Excess Available Finance Charge Collections (Group 1)
as Series 2014-3 Available Principal Collections
$2,549,737.24
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 2014-3
Class A Monthly Interest and Class A Additional Interest and any past due amounts
2)
$0.00
Unpaid Servicing Fee
Class B Monthly Interest and Class B Additional Interest and any past due amounts
Default Amount treated as Available Principal Collections
Unreimbursed Investor charge-offs and Reallocated Principal Collections treated as Series 2014-3
Available Principal Collections
Accumulation Reserve Account
Holder of the Transferor Interest
3)
4)
5)
6)
7)
8)
1)
$0.00
$0.00
$0.00
$0.00
$0.00
Series 2014-3 Available Finance Charge Collections Shortfall
9)
$0.00
$0.00
Shared Excess Available Finance Charge Collections allocated to Series 2014-3 $0.00
SERIES 2014-3 AVAILABLE PRINCIPAL COLLECTIONS
Principal Collections allocated to Series 2014-3
less Reallocated Principal Collections
plus Series Default Amount Paid from finance charge collections
plus an amount equal to the sum of Investor Charge-offs and the amount of Reallocated Principal
Collections previously not reimbursed, paid by Available Finance Charge Collections
Series 2014-3 Available Principal Collections
$215,112,070.60
$2,549,737.24
$0.00
$217,661,807.84
$0.00
Series 2014-3 Available Principal Collections, less any amount released and used to purchase
Receivables under Section 4.01(f) of the Series 2014-3 Indenture Supplement $41,270,074.59
APPLICATION OF SERIES 2014-3 AVAILABLE PRINCIPAL COLLECTIONS DURING REVOLVING PERIOD
Shared Excess Available Principal Collections1) $41,270,074.59
APPLICATION OF SERIES 2014-3 PRINCIPAL COLLECTIONS DURING CONTROLLED ACCUMULATION PERIOD
2)
1) $0.00
Shared Excess Available Principal Collections
Amount deposited in the Principal Funding Account
$0.00
APPLICATION OF SERIES 2014-3 AVAILABLE PRINCIPAL COLLECTIONS DURING EARLY AMORTIZATION PERIOD
1)
2)
3)
Paid to the Class B Noteholders
Paid to the Class A Noteholders
Shared Excess Available Principal Collections
$0.00
$0.00
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE PRINCIPAL COLLECTIONS ALLOCATED TO SERIES 2014-3
1)
2)
3)
3a)
Series 2014-3 Principal Collections Shortfall
Shared Excess Available Principal Collections
During the Controlled Accumulation Period:
Amount deposited in the Principal Funding Account
4)
4a)
4a)
During the Early Amortization Period:
Paid to the Class A Noteholders
Paid to the Class B Noteholders
$0.00
$0.00
$0.00
$0.00
$0.00
Holder of the Transferor Interest $41,270,074.59
SERIES 2014-3 ACCOUNT INFORMATION
Beginning balance
Current deposit
Accumulation Reserve Draw Amount
Ending Balance
Accumulation Reserve Account balance
$0.00
$0.00
$0.00
$0.00
Beginning balance
Current deposit
Paid to the Class A Noteholders
Paid to the Class B Noteholders
Ending Balance
Principal Funding Account balance
$0.00
$0.00
$0.00
$0.00
$0.00
SERIES 2014-3 PERFORMANCE DATA
11.90%
Portfolio Yield Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Base Rate
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Excess Spread Percentage
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Quarterly Excess Spread Percentage
Is the Quarterly Excess Spread Percentage greater than the Required Excess Spread Percentage?
12.23%
11.42%
11.85%
3.98%
3.98%
15.88%
16.20%
15.39%
3.98%
Yes
Required Excess Spread Percentage 0.00%
To the knowledge of the undersigned, no Early Amortization Event or Early Redemption Event has occurred.
Capitalized terms used in the Monthly Servicer's Statement have their respective meanings set forth in the Indenture, Indenture
Supplement and the Servicing Agreement
At the date of this report, the Transferor as “originator” for the purposes of EU Regulation no. 575/2013 (the “CRR”) retains an economic
interest in Barclays Dryrock Issuance Trust in the form of the minimum transferor interest (option(b)) in accordance with Article 405 of the
CRR. The current transferor interest in disclosed in the relevant section of this report.
BARCLAYS BANK DELAWARE, as Servicer
By: /s/ Yasser Rezvi
Name: Yasser Rezvi
Title: Treasurer
MONTHLY SERVICER'S STATEMENT
BARCLAYS DRYROCK ISSUANCE TRUST
Series 2014-4
MONTHLY PERIOD ENDING November 30, 2015
December 15, 2015
November 01, 2015
November 16, 2015
Record date
Payment date
Monthly period beginning
Monthly period ending
Previous payment date
Interest period beginning
Interest period ending
Days in monthly period
Days in interest period 29
30
November 30, 2015
November 30, 2015
November 16, 2015
December 14, 2015
TRUST RECEIVABLES INFORMATION
$8,062,903,254.54End of monthly period total receivables balance
End of monthly period non-principal receivables balance $94,132,528.72
End of monthly period principal receivables balance
$0.00
$7,968,770,725.82
Removal of principal receivables balance
Removal of non-principal receivables balance
$0.00
Addition of non-principal receivables balance $0.00
Addition of principal receivables balance
$7,978,418,806.42
$91,512,218.43Beginning of monthly period non-principal receivables balance
Beginning of monthly period total receivables balance
$7,886,906,587.99Beginning of monthly period principal receivables balance
$0.00
TRUST COLLECTIONS INFORMATION
Total finance charge collections
Recoveries
Interchange
Fees
Finance charge collections
Principal collections
*Total payment rate
(* Total payment rate does not include investment earnings)
$37,016,791.23
$2,801,142.32
$74,766,576.49
$11,729,892.60
$1,854,913,497.33
24.33%
$126,314,402.64
$24,824.91Investment earnings on Issuer Accounts
TRUST DEFAULT INFORMATION
Default Amount / Total Gross Losses
Total Recoveries
Total Net Losses
Portfolio Principal Balance
Total Gross Losses as a percentage of the Portfolio Principal Balance
Total Net Losses as a percentage of the Portfolio Principal Balance
Number of accounts experiencing a loss
Average Net Loss per account
$21,986,408.96
$7,886,906,587.99
6,577
($2,801,142.32)
$19,185,266.64
3.35%
2.92%
$2,917.02
1-30 days delinquent
31-60 days delinquent
61-90 days delinquent
91-120 days delinquent
121-150 days delinquent
151-180 days delinquent
181 and greater days delinquent
$126,319,775.47
$48,111,345.24
$35,930,414.55
$30,136,359.64
$25,788,131.53
$21,866,950.25
$7,008.59
0.60%
1.57%
0.00%
0.27%
0.32%
0.37%
0.45%
Delinquency Data Percentage Total receivables# accounts
13,579
39,255
9,610
7,677
6,470
5,489
3
TRANSFEROR INFORMATION
Minimum Transferor Amount Percentage in Calendar Month
Required Transferor Amount Percentage 6.00%
34.13%
Transferor Percentage as of the Transferor Amount Measurement Date 34.89%
ISSUER ACCOUNT INFORMATION
Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41
Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
BARCLAYS DRYROCK ISSUANCE TRUST
4.0124%Series 2014-4 Principal Allocation Percentage
4.0124%Series 2014-4 Floating Allocation Percentage
Series 2014-4 Allocation amount $316,456,000.00
$316,456,000.00Series 2014-4 Stated Principal Amount
Scheduled start of accumulation period 11/01/2016
Expected Final Payment Date 11/15/2017
Series Name 2014-4
Current period USD LIBOR 0.20%
Class Details Total Interest Rate Stated Principal AmountMargin
$250,000,000.00 0.39%Class A 0.59%
$66,456,000.00 0.00%Class B 0.00%
ALLOCATION OF SERIES 2014-4 AVAILABLE FINANCE CHARGE COLLECTIONS
Series 2014-4 Available Finance Charge Collections1) $5,069,263.36
Class A Notes
Class A Additional Interest and Class A Additional Interest previously due but not paidClass A Monthly Interest previously due but not paid
Class A Monthly Interest
2)
a)
b)c)
$118,215.28
$0.00$0.00
Series 2014-4 Servicing Fee paid to Servicer3)
Series 2014-4 Servicing Fee, previously due but not paid4)
$532,901.18
$0.00
Class B Notes
Class B Additional Interest and Class B Additional Interest previously due but not paid
Class B Monthly Interest previously due but not paid
Class B Monthly Interest
5)
a)
b)
c)
$0.00
$0.00
$0.00
Series 2014-4 Default Amount treated as Series 2014-4 Available Principal Collections
Holder of the Transferor Interest
Shared Excess Available Finance Charge Collections available for allocation to other series in
In the event of default and acceleration, the Outstanding Dollar Principal Amount of the notes treated
Accumulation Reserve Account funding
Unreimbursed Investor Charge-offs and Reallocated Principal Collections treated as Series 2014-4
6)
7)
8)
9)
10)
12)
$0.00
$0.00
$3,535,959.39
$3,535,959.39
Amount due under any other obligations of Barclays Dryrock Issuance Trust under the Transaction
Documents
11)
$0.00
Available Principal Collections
Shared Excess Available Finance Charge Collections (Group 1)
as Series 2014-4 Available Principal Collections
$882,187.51
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 2014-4
Class A Monthly Interest and Class A Additional Interest and any past due amounts
2)
$0.00
Unpaid Servicing Fee
Class B Monthly Interest and Class B Additional Interest and any past due amounts
Default Amount treated as Available Principal Collections
Unreimbursed Investor charge-offs and Reallocated Principal Collections treated as Series 2014-4
Available Principal Collections
Accumulation Reserve Account
Holder of the Transferor Interest
3)
4)
5)
6)
7)
8)
1)
$0.00
$0.00
$0.00
$0.00
$0.00
Series 2014-4 Available Finance Charge Collections Shortfall
9)
$0.00
$0.00
Shared Excess Available Finance Charge Collections allocated to Series 2014-4 $0.00
SERIES 2014-4 AVAILABLE PRINCIPAL COLLECTIONS
Principal Collections allocated to Series 2014-4
less Reallocated Principal Collections
plus Series Default Amount Paid from finance charge collections
plus an amount equal to the sum of Investor Charge-offs and the amount of Reallocated Principal
Collections previously not reimbursed, paid by Available Finance Charge Collections
Series 2014-4 Available Principal Collections
$74,426,963.13
$882,187.51
$0.00
$75,309,150.64
$0.00
Series 2014-4 Available Principal Collections, less any amount released and used to purchase
Receivables under Section 4.01(f) of the Series 2014-4 Indenture Supplement $16,511,906.22
APPLICATION OF SERIES 2014-4 AVAILABLE PRINCIPAL COLLECTIONS DURING REVOLVING PERIOD
Shared Excess Available Principal Collections1) $16,511,906.22
APPLICATION OF SERIES 2014-4 PRINCIPAL COLLECTIONS DURING CONTROLLED ACCUMULATION PERIOD
2)
1) $0.00
Shared Excess Available Principal Collections
Amount deposited in the Principal Funding Account
$0.00
APPLICATION OF SERIES 2014-4 AVAILABLE PRINCIPAL COLLECTIONS DURING EARLY AMORTIZATION PERIOD
1)
2)
3)
Paid to the Class B Noteholders
Paid to the Class A Noteholders
Shared Excess Available Principal Collections
$0.00
$0.00
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE PRINCIPAL COLLECTIONS ALLOCATED TO SERIES 2014-4
1)
2)
3)
3a)
Series 2014-4 Principal Collections Shortfall
Shared Excess Available Principal Collections
During the Controlled Accumulation Period:
Amount deposited in the Principal Funding Account
4)
4a)
4a)
During the Early Amortization Period:
Paid to the Class A Noteholders
Paid to the Class B Noteholders
$0.00
$0.00
$0.00
$0.00
$0.00
Holder of the Transferor Interest $16,511,906.22
SERIES 2014-4 ACCOUNT INFORMATION
Beginning balance
Current deposit
Accumulation Reserve Draw Amount
Ending Balance
Accumulation Reserve Account balance
$0.00
$0.00
$0.00
$0.00
Beginning balance
Current deposit
Paid to the Class A Noteholders
Paid to the Class B Noteholders
Ending Balance
Principal Funding Account balance
$0.00
$0.00
$0.00
$0.00
$0.00
SERIES 2014-4 PERFORMANCE DATA
13.43%
Portfolio Yield Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Base Rate
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Excess Spread Percentage
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Quarterly Excess Spread Percentage
Is the Quarterly Excess Spread Percentage greater than the Required Excess Spread Percentage?
13.71%
12.92%
13.35%
2.49%
2.47%
15.88%
16.20%
15.39%
2.45%
Yes
Required Excess Spread Percentage 0.00%
To the knowledge of the undersigned, no Early Amortization Event or Early Redemption Event has occurred.
Capitalized terms used in the Monthly Servicer's Statement have their respective meanings set forth in the Indenture, Indenture
Supplement and the Servicing Agreement
At the date of this report, the Transferor as “originator” for the purposes of EU Regulation no. 575/2013 (the “CRR”) retains an economic
interest in Barclays Dryrock Issuance Trust in the form of the minimum transferor interest (option(b)) in accordance with Article 405 of the
CRR. The current transferor interest in disclosed in the relevant section of this report.
BARCLAYS BANK DELAWARE, as Servicer
By: /s/ Yasser Rezvi
Name: Yasser Rezvi
Title: Treasurer
MONTHLY SERVICER'S STATEMENT
BARCLAYS DRYROCK ISSUANCE TRUST
Series 2014-5
MONTHLY PERIOD ENDING November 30, 2015
December 15, 2015
November 01, 2015
November 16, 2015
Record date
Payment date
Monthly period beginning
Monthly period ending
Previous payment date
Interest period beginning
Interest period ending
Days in monthly period
Days in interest period 30
30
November 30, 2015
November 30, 2015
November 16, 2015
December 14, 2015
TRUST RECEIVABLES INFORMATION
$8,062,903,254.54End of monthly period total receivables balance
End of monthly period non-principal receivables balance $94,132,528.72
End of monthly period principal receivables balance
$0.00
$7,968,770,725.82
Removal of principal receivables balance
Removal of non-principal receivables balance
$0.00
Addition of non-principal receivables balance $0.00
Addition of principal receivables balance
$7,978,418,806.42
$91,512,218.43Beginning of monthly period non-principal receivables balance
Beginning of monthly period total receivables balance
$7,886,906,587.99Beginning of monthly period principal receivables balance
$0.00
TRUST COLLECTIONS INFORMATION
Total finance charge collections
Recoveries
Interchange
Fees
Finance charge collections
Principal collections
*Total payment rate
(* Total payment rate does not include investment earnings)
$37,016,791.23
$2,801,142.32
$74,766,576.49
$11,729,892.60
$1,854,913,497.33
24.33%
$126,314,402.64
$24,824.91Investment earnings on Issuer Accounts
TRUST DEFAULT INFORMATION
Default Amount / Total Gross Losses
Total Recoveries
Total Net Losses
Portfolio Principal Balance
Total Gross Losses as a percentage of the Portfolio Principal Balance
Total Net Losses as a percentage of the Portfolio Principal Balance
Number of accounts experiencing a loss
Average Net Loss per account
$21,986,408.96
$7,886,906,587.99
6,577
($2,801,142.32)
$19,185,266.64
3.35%
2.92%
$2,917.02
1-30 days delinquent
31-60 days delinquent
61-90 days delinquent
91-120 days delinquent
121-150 days delinquent
151-180 days delinquent
181 and greater days delinquent
$126,319,775.47
$48,111,345.24
$35,930,414.55
$30,136,359.64
$25,788,131.53
$21,866,950.25
$7,008.59
0.60%
1.57%
0.00%
0.27%
0.32%
0.37%
0.45%
Delinquency Data Percentage Total receivables# accounts
13,579
39,255
9,610
7,677
6,470
5,489
3
TRANSFEROR INFORMATION
Minimum Transferor Amount Percentage in Calendar Month
Required Transferor Amount Percentage 6.00%
34.13%
Transferor Percentage as of the Transferor Amount Measurement Date 34.89%
ISSUER ACCOUNT INFORMATION
Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41
Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
BARCLAYS DRYROCK ISSUANCE TRUST
3.8656%Series 2014-5 Principal Allocation Percentage
3.8656%Series 2014-5 Floating Allocation Percentage
Series 2014-5 Allocation amount $304,879,000.00
$304,879,000.00Series 2014-5 Stated Principal Amount
Scheduled start of accumulation period 11/01/2016
Expected Final Payment Date 11/15/2017
Series Name 2014-5
Class Details Total Interest Rate Stated Principal AmountMargin
$250,000,000.00Class A 1.48%
$54,879,000.00 0.00%Class B 0.00%
ALLOCATION OF SERIES 2014-5 AVAILABLE FINANCE CHARGE COLLECTIONS
Series 2014-5 Available Finance Charge Collections1) $4,883,813.05
Class A Notes
Class A Additional Interest and Class A Additional Interest previously due but not paidClass A Monthly Interest previously due but not paid
Class A Monthly Interest
2)
a)
b)c)
$308,333.33
$0.00$0.00
Series 2014-5 Servicing Fee paid to Servicer3)
Series 2014-5 Servicing Fee, previously due but not paid4)
$513,405.98
$0.00
Class B Notes
Class B Additional Interest and Class B Additional Interest previously due but not paid
Class B Monthly Interest previously due but not paid
Class B Monthly Interest
5)
a)
b)
c)
$0.00
$0.00
$0.00
Series 2014-5 Default Amount treated as Series 2014-5 Available Principal Collections
Holder of the Transferor Interest
Shared Excess Available Finance Charge Collections available for allocation to other series in
In the event of default and acceleration, the Outstanding Dollar Principal Amount of the notes treated
Accumulation Reserve Account funding
Unreimbursed Investor Charge-offs and Reallocated Principal Collections treated as Series 2014-5
6)
7)
8)
9)
10)
12)
$0.00
$0.00
$3,212,159.42
$3,212,159.42
Amount due under any other obligations of Barclays Dryrock Issuance Trust under the Transaction
Documents
11)
$0.00
Available Principal Collections
Shared Excess Available Finance Charge Collections (Group 1)
as Series 2014-5 Available Principal Collections
$849,914.32
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 2014-5
Class A Monthly Interest and Class A Additional Interest and any past due amounts
2)
$0.00
Unpaid Servicing Fee
Class B Monthly Interest and Class B Additional Interest and any past due amounts
Default Amount treated as Available Principal Collections
Unreimbursed Investor charge-offs and Reallocated Principal Collections treated as Series 2014-5
Available Principal Collections
Accumulation Reserve Account
Holder of the Transferor Interest
3)
4)
5)
6)
7)
8)
1)
$0.00
$0.00
$0.00
$0.00
$0.00
Series 2014-5 Available Finance Charge Collections Shortfall
9)
$0.00
$0.00
Shared Excess Available Finance Charge Collections allocated to Series 2014-5 $0.00
SERIES 2014-5 AVAILABLE PRINCIPAL COLLECTIONS
Principal Collections allocated to Series 2014-5
less Reallocated Principal Collections
plus Series Default Amount Paid from finance charge collections
plus an amount equal to the sum of Investor Charge-offs and the amount of Reallocated Principal
Collections previously not reimbursed, paid by Available Finance Charge Collections
Series 2014-5 Available Principal Collections
$71,704,180.35
$849,914.32
$0.00
$72,554,094.67
$0.00
Series 2014-5 Available Principal Collections, less any amount released and used to purchase
Receivables under Section 4.01(f) of the Series 2014-5 Indenture Supplement $13,756,850.25
APPLICATION OF SERIES 2014-5 AVAILABLE PRINCIPAL COLLECTIONS DURING REVOLVING PERIOD
Shared Excess Available Principal Collections1) $13,756,850.25
APPLICATION OF SERIES 2014-5 PRINCIPAL COLLECTIONS DURING CONTROLLED ACCUMULATION PERIOD
2)
1) $0.00
Shared Excess Available Principal Collections
Amount deposited in the Principal Funding Account
$0.00
APPLICATION OF SERIES 2014-5 AVAILABLE PRINCIPAL COLLECTIONS DURING EARLY AMORTIZATION PERIOD
1)
2)
3)
Paid to the Class B Noteholders
Paid to the Class A Noteholders
Shared Excess Available Principal Collections
$0.00
$0.00
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE PRINCIPAL COLLECTIONS ALLOCATED TO SERIES 2014-5
1)
2)
3)
3a)
Series 2014-5 Principal Collections Shortfall
Shared Excess Available Principal Collections
During the Controlled Accumulation Period:
Amount deposited in the Principal Funding Account
4)
4a)
4a)
During the Early Amortization Period:
Paid to the Class A Noteholders
Paid to the Class B Noteholders
$0.00
$0.00
$0.00
$0.00
$0.00
Holder of the Transferor Interest $13,756,850.25
SERIES 2014-5 ACCOUNT INFORMATION
Beginning balance
Current deposit
Accumulation Reserve Draw Amount
Ending Balance
Accumulation Reserve Account balance
$0.00
$0.00
$0.00
$0.00
Beginning balance
Current deposit
Paid to the Class A Noteholders
Paid to the Class B Noteholders
Ending Balance
Principal Funding Account balance
$0.00
$0.00
$0.00
$0.00
$0.00
SERIES 2014-5 PERFORMANCE DATA
12.66%
Portfolio Yield Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Base Rate
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Excess Spread Percentage
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Quarterly Excess Spread Percentage
Is the Quarterly Excess Spread Percentage greater than the Required Excess Spread Percentage?
12.99%
12.18%
12.61%
3.21%
3.21%
15.88%
16.20%
15.39%
3.21%
Yes
Required Excess Spread Percentage 0.00%
To the knowledge of the undersigned, no Early Amortization Event or Early Redemption Event has occurred.
Capitalized terms used in the Monthly Servicer's Statement have their respective meanings set forth in the Indenture, Indenture
Supplement and the Servicing Agreement
At the date of this report, the Transferor as “originator” for the purposes of EU Regulation no. 575/2013 (the “CRR”) retains an economic
interest in Barclays Dryrock Issuance Trust in the form of the minimum transferor interest (option(b)) in accordance with Article 405 of the
CRR. The current transferor interest in disclosed in the relevant section of this report.
BARCLAYS BANK DELAWARE, as Servicer
By: /s/ Yasser Rezvi
Name: Yasser Rezvi
Title: Treasurer
MONTHLY SERVICER'S STATEMENT
BARCLAYS DRYROCK ISSUANCE TRUST
Series 2015-1
MONTHLY PERIOD ENDING November 30, 2015
December 15, 2015
November 01, 2015
November 16, 2015
Record date
Payment date
Monthly period beginning
Monthly period ending
Previous payment date
Interest period beginning
Interest period ending
Days in monthly period
Days in interest period 30
30
November 30, 2015
November 30, 2015
November 16, 2015
December 14, 2015
TRUST RECEIVABLES INFORMATION
$8,062,903,254.54End of monthly period total receivables balance
End of monthly period non-principal receivables balance $94,132,528.72
End of monthly period principal receivables balance
$0.00
$7,968,770,725.82
Removal of principal receivables balance
Removal of non-principal receivables balance
$0.00
Addition of non-principal receivables balance $0.00
Addition of principal receivables balance
$7,978,418,806.42
$91,512,218.43Beginning of monthly period non-principal receivables balance
Beginning of monthly period total receivables balance
$7,886,906,587.99Beginning of monthly period principal receivables balance
$0.00
TRUST COLLECTIONS INFORMATION
Total finance charge collections
Recoveries
Interchange
Fees
Finance charge collections
Principal collections
*Total payment rate
(* Total payment rate does not include investment earnings)
$37,016,791.23
$2,801,142.32
$74,766,576.49
$11,729,892.60
$1,854,913,497.33
24.33%
$126,314,402.64
$24,824.91Investment earnings on Issuer Accounts
TRUST DEFAULT INFORMATION
Default Amount / Total Gross Losses
Total Recoveries
Total Net Losses
Portfolio Principal Balance
Total Gross Losses as a percentage of the Portfolio Principal Balance
Total Net Losses as a percentage of the Portfolio Principal Balance
Number of accounts experiencing a loss
Average Net Loss per account
$21,986,408.96
$7,886,906,587.99
6,577
($2,801,142.32)
$19,185,266.64
3.35%
2.92%
$2,917.02
1-30 days delinquent
31-60 days delinquent
61-90 days delinquent
91-120 days delinquent
121-150 days delinquent
151-180 days delinquent
181 and greater days delinquent
$126,319,775.47
$48,111,345.24
$35,930,414.55
$30,136,359.64
$25,788,131.53
$21,866,950.25
$7,008.59
0.60%
1.57%
0.00%
0.27%
0.32%
0.37%
0.45%
Delinquency Data Percentage Total receivables# accounts
13,579
39,255
9,610
7,677
6,470
5,489
3
TRANSFEROR INFORMATION
Minimum Transferor Amount Percentage in Calendar Month
Required Transferor Amount Percentage 6.00%
34.13%
Transferor Percentage as of the Transferor Amount Measurement Date 34.89%
ISSUER ACCOUNT INFORMATION
Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41
Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
BARCLAYS DRYROCK ISSUANCE TRUST
7.7313%Series 2015-1 Principal Allocation Percentage
7.7313%Series 2015-1 Floating Allocation Percentage
Series 2015-1 Allocation amount $609,757,000.00
$609,757,000.00Series 2015-1 Stated Principal Amount
Scheduled start of accumulation period 02/01/2019
Expected Final Payment Date 02/18/2020
Series Name 2015-1
Class Details Total Interest Rate Stated Principal AmountMargin
$500,000,000.00Class A 2.20%
$109,757,000.00 0.00%Class B 0.00%
ALLOCATION OF SERIES 2015-1 AVAILABLE FINANCE CHARGE COLLECTIONS
Series 2015-1 Available Finance Charge Collections1) $9,767,610.13
Class A Notes
Class A Additional Interest and Class A Additional Interest previously due but not paidClass A Monthly Interest previously due but not paid
Class A Monthly Interest
2)
a)
b)c)
$916,666.67
$0.00$0.00
Series 2015-1 Servicing Fee paid to Servicer3)
Series 2015-1 Servicing Fee, previously due but not paid4)
$1,026,810.24
$0.00
Class B Notes
Class B Additional Interest and Class B Additional Interest previously due but not paid
Class B Monthly Interest previously due but not paid
Class B Monthly Interest
5)
a)
b)
c)
$0.00
$0.00
$0.00
Series 2015-1 Default Amount treated as Series 2015-1 Available Principal Collections
Holder of the Transferor Interest
Shared Excess Available Finance Charge Collections available for allocation to other series in
In the event of default and acceleration, the Outstanding Dollar Principal Amount of the notes treated
Accumulation Reserve Account funding
Unreimbursed Investor Charge-offs and Reallocated Principal Collections treated as Series 2015-1
6)
7)
8)
9)
10)
12)
$0.00
$0.00
$6,124,307.44
$6,124,307.44
Amount due under any other obligations of Barclays Dryrock Issuance Trust under the Transaction
Documents
11)
$0.00
Available Principal Collections
Shared Excess Available Finance Charge Collections (Group 1)
as Series 2015-1 Available Principal Collections
$1,699,825.78
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 2015-1
Class A Monthly Interest and Class A Additional Interest and any past due amounts
2)
$0.00
Unpaid Servicing Fee
Class B Monthly Interest and Class B Additional Interest and any past due amounts
Default Amount treated as Available Principal Collections
Unreimbursed Investor charge-offs and Reallocated Principal Collections treated as Series 2015-1
Available Principal Collections
Accumulation Reserve Account
Holder of the Transferor Interest
3)
4)
5)
6)
7)
8)
1)
$0.00
$0.00
$0.00
$0.00
$0.00
Series 2015-1 Available Finance Charge Collections Shortfall
9)
$0.00
$0.00
Shared Excess Available Finance Charge Collections allocated to Series 2015-1 $0.00
SERIES 2015-1 AVAILABLE PRINCIPAL COLLECTIONS
Principal Collections allocated to Series 2015-1
less Reallocated Principal Collections
plus Series Default Amount Paid from finance charge collections
plus an amount equal to the sum of Investor Charge-offs and the amount of Reallocated Principal
Collections previously not reimbursed, paid by Available Finance Charge Collections
Series 2015-1 Available Principal Collections
$143,408,125.46
$1,699,825.78
$0.00
$145,107,951.24
$0.00
Series 2015-1 Available Principal Collections, less any amount released and used to purchase
Receivables under Section 4.01(f) of the Series 2015-1 Indenture Supplement $27,513,462.41
APPLICATION OF SERIES 2015-1 AVAILABLE PRINCIPAL COLLECTIONS DURING REVOLVING PERIOD
Shared Excess Available Principal Collections1) $27,513,462.41
APPLICATION OF SERIES 2015-1 PRINCIPAL COLLECTIONS DURING CONTROLLED ACCUMULATION PERIOD
2)
1) $0.00
Shared Excess Available Principal Collections
Amount deposited in the Principal Funding Account
$0.00
APPLICATION OF SERIES 2015-1 AVAILABLE PRINCIPAL COLLECTIONS DURING EARLY AMORTIZATION PERIOD
1)
2)
3)
Paid to the Class B Noteholders
Paid to the Class A Noteholders
Shared Excess Available Principal Collections
$0.00
$0.00
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE PRINCIPAL COLLECTIONS ALLOCATED TO SERIES 2015-1
1)
2)
3)
3a)
Series 2015-1 Principal Collections Shortfall
Shared Excess Available Principal Collections
During the Controlled Accumulation Period:
Amount deposited in the Principal Funding Account
4)
4a)
4a)
During the Early Amortization Period:
Paid to the Class A Noteholders
Paid to the Class B Noteholders
$0.00
$0.00
$0.00
$0.00
$0.00
Holder of the Transferor Interest $27,513,462.41
SERIES 2015-1 ACCOUNT INFORMATION
Beginning balance
Current deposit
Accumulation Reserve Draw Amount
Ending Balance
Accumulation Reserve Account balance
$0.00
$0.00
$0.00
$0.00
Beginning balance
Current deposit
Paid to the Class A Noteholders
Paid to the Class B Noteholders
Ending Balance
Principal Funding Account balance
$0.00
$0.00
$0.00
$0.00
$0.00
SERIES 2015-1 PERFORMANCE DATA
12.07%
Portfolio Yield Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Base Rate
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Excess Spread Percentage
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Quarterly Excess Spread Percentage
Is the Quarterly Excess Spread Percentage greater than the Required Excess Spread Percentage?
12.40%
11.59%
12.02%
3.80%
3.80%
15.88%
16.20%
15.39%
3.80%
Yes
Required Excess Spread Percentage 0.00%
To the knowledge of the undersigned, no Early Amortization Event or Early Redemption Event has occurred.
Capitalized terms used in the Monthly Servicer's Statement have their respective meanings set forth in the Indenture, Indenture
Supplement and the Servicing Agreement
At the date of this report, the Transferor as “originator” for the purposes of EU Regulation no. 575/2013 (the “CRR”) retains an economic
interest in Barclays Dryrock Issuance Trust in the form of the minimum transferor interest (option(b)) in accordance with Article 405 of the
CRR. The current transferor interest in disclosed in the relevant section of this report.
BARCLAYS BANK DELAWARE, as Servicer
By: /s/ Yasser Rezvi
Name: Yasser Rezvi
Title: Treasurer
MONTHLY SERVICER'S STATEMENT
BARCLAYS DRYROCK ISSUANCE TRUST
Series 2015-2
MONTHLY PERIOD ENDING November 30, 2015
December 15, 2015
November 01, 2015
November 16, 2015
Record date
Payment date
Monthly period beginning
Monthly period ending
Previous payment date
Interest period beginning
Interest period ending
Days in monthly period
Days in interest period 30
30
November 30, 2015
November 30, 2015
November 16, 2015
December 14, 2015
TRUST RECEIVABLES INFORMATION
$8,062,903,254.54End of monthly period total receivables balance
End of monthly period non-principal receivables balance $94,132,528.72
End of monthly period principal receivables balance
$0.00
$7,968,770,725.82
Removal of principal receivables balance
Removal of non-principal receivables balance
$0.00
Addition of non-principal receivables balance $0.00
Addition of principal receivables balance
$7,978,418,806.42
$91,512,218.43Beginning of monthly period non-principal receivables balance
Beginning of monthly period total receivables balance
$7,886,906,587.99Beginning of monthly period principal receivables balance
$0.00
TRUST COLLECTIONS INFORMATION
Total finance charge collections
Recoveries
Interchange
Fees
Finance charge collections
Principal collections
*Total payment rate
(* Total payment rate does not include investment earnings)
$37,016,791.23
$2,801,142.32
$74,766,576.49
$11,729,892.60
$1,854,913,497.33
24.33%
$126,314,402.64
$24,824.91Investment earnings on Issuer Accounts
TRUST DEFAULT INFORMATION
Default Amount / Total Gross Losses
Total Recoveries
Total Net Losses
Portfolio Principal Balance
Total Gross Losses as a percentage of the Portfolio Principal Balance
Total Net Losses as a percentage of the Portfolio Principal Balance
Number of accounts experiencing a loss
Average Net Loss per account
$21,986,408.96
$7,886,906,587.99
6,577
($2,801,142.32)
$19,185,266.64
3.35%
2.92%
$2,917.02
1-30 days delinquent
31-60 days delinquent
61-90 days delinquent
91-120 days delinquent
121-150 days delinquent
151-180 days delinquent
181 and greater days delinquent
$126,319,775.47
$48,111,345.24
$35,930,414.55
$30,136,359.64
$25,788,131.53
$21,866,950.25
$7,008.59
0.60%
1.57%
0.00%
0.27%
0.32%
0.37%
0.45%
Delinquency Data Percentage Total receivables# accounts
13,579
39,255
9,610
7,677
6,470
5,489
3
TRANSFEROR INFORMATION
Minimum Transferor Amount Percentage in Calendar Month
Required Transferor Amount Percentage 6.00%
34.13%
Transferor Percentage as of the Transferor Amount Measurement Date 34.89%
ISSUER ACCOUNT INFORMATION
Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41
Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
BARCLAYS DRYROCK ISSUANCE TRUST
7.7313%Series 2015-2 Principal Allocation Percentage
7.7313%Series 2015-2 Floating Allocation Percentage
Series 2015-2 Allocation amount $609,757,000.00
$609,757,000.00Series 2015-2 Stated Principal Amount
Scheduled start of accumulation period 05/01/2017
Expected Final Payment Date 05/15/2018
Series Name 2015-2
Class Details Total Interest Rate Stated Principal AmountMargin
$500,000,000.00Class A 1.56%
$109,757,000.00 0.00%Class B 0.00%
ALLOCATION OF SERIES 2015-2 AVAILABLE FINANCE CHARGE COLLECTIONS
Series 2015-2 Available Finance Charge Collections1) $9,767,610.13
Class A Notes
Class A Additional Interest and Class A Additional Interest previously due but not paidClass A Monthly Interest previously due but not paid
Class A Monthly Interest
2)
a)
b)c)
$650,000.00
$0.00$0.00
Series 2015-2 Servicing Fee paid to Servicer3)
Series 2015-2 Servicing Fee, previously due but not paid4)
$1,026,810.24
$0.00
Class B Notes
Class B Additional Interest and Class B Additional Interest previously due but not paid
Class B Monthly Interest previously due but not paid
Class B Monthly Interest
5)
a)
b)
c)
$0.00
$0.00
$0.00
Series 2015-2 Default Amount treated as Series 2015-2 Available Principal Collections
Holder of the Transferor Interest
Shared Excess Available Finance Charge Collections available for allocation to other series in
In the event of default and acceleration, the Outstanding Dollar Principal Amount of the notes treated
Accumulation Reserve Account funding
Unreimbursed Investor Charge-offs and Reallocated Principal Collections treated as Series 2015-2
6)
7)
8)
9)
10)
12)
$0.00
$0.00
$6,390,974.11
$6,390,974.11
Amount due under any other obligations of Barclays Dryrock Issuance Trust under the Transaction
Documents
11)
$0.00
Available Principal Collections
Shared Excess Available Finance Charge Collections (Group 1)
as Series 2015-2 Available Principal Collections
$1,699,825.78
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 2015-2
Class A Monthly Interest and Class A Additional Interest and any past due amounts
2)
$0.00
Unpaid Servicing Fee
Class B Monthly Interest and Class B Additional Interest and any past due amounts
Default Amount treated as Available Principal Collections
Unreimbursed Investor charge-offs and Reallocated Principal Collections treated as Series 2015-2
Available Principal Collections
Accumulation Reserve Account
Holder of the Transferor Interest
3)
4)
5)
6)
7)
8)
1)
$0.00
$0.00
$0.00
$0.00
$0.00
Series 2015-2 Available Finance Charge Collections Shortfall
9)
$0.00
$0.00
Shared Excess Available Finance Charge Collections allocated to Series 2015-2 $0.00
SERIES 2015-2 AVAILABLE PRINCIPAL COLLECTIONS
Principal Collections allocated to Series 2015-2
less Reallocated Principal Collections
plus Series Default Amount Paid from finance charge collections
plus an amount equal to the sum of Investor Charge-offs and the amount of Reallocated Principal
Collections previously not reimbursed, paid by Available Finance Charge Collections
Series 2015-2 Available Principal Collections
$143,408,125.46
$1,699,825.78
$0.00
$145,107,951.24
$0.00
Series 2015-2 Available Principal Collections, less any amount released and used to purchase
Receivables under Section 4.01(f) of the Series 2015-2 Indenture Supplement $27,513,462.41
APPLICATION OF SERIES 2015-2 AVAILABLE PRINCIPAL COLLECTIONS DURING REVOLVING PERIOD
Shared Excess Available Principal Collections1) $27,513,462.41
APPLICATION OF SERIES 2015-2 PRINCIPAL COLLECTIONS DURING CONTROLLED ACCUMULATION PERIOD
2)
1) $0.00
Shared Excess Available Principal Collections
Amount deposited in the Principal Funding Account
$0.00
APPLICATION OF SERIES 2015-2 AVAILABLE PRINCIPAL COLLECTIONS DURING EARLY AMORTIZATION PERIOD
1)
2)
3)
Paid to the Class B Noteholders
Paid to the Class A Noteholders
Shared Excess Available Principal Collections
$0.00
$0.00
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE PRINCIPAL COLLECTIONS ALLOCATED TO SERIES 2015-2
1)
2)
3)
3a)
Series 2015-2 Principal Collections Shortfall
Shared Excess Available Principal Collections
During the Controlled Accumulation Period:
Amount deposited in the Principal Funding Account
4)
4a)
4a)
During the Early Amortization Period:
Paid to the Class A Noteholders
Paid to the Class B Noteholders
$0.00
$0.00
$0.00
$0.00
$0.00
Holder of the Transferor Interest $27,513,462.41
SERIES 2015-2 ACCOUNT INFORMATION
Beginning balance
Current deposit
Accumulation Reserve Draw Amount
Ending Balance
Accumulation Reserve Account balance
$0.00
$0.00
$0.00
$0.00
Beginning balance
Current deposit
Paid to the Class A Noteholders
Paid to the Class B Noteholders
Ending Balance
Principal Funding Account balance
$0.00
$0.00
$0.00
$0.00
$0.00
SERIES 2015-2 PERFORMANCE DATA
12.60%
Portfolio Yield Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Base Rate
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Excess Spread Percentage
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Quarterly Excess Spread Percentage
Is the Quarterly Excess Spread Percentage greater than the Required Excess Spread Percentage?
12.92%
12.11%
12.55%
3.28%
3.28%
15.88%
16.20%
15.39%
3.28%
Yes
Required Excess Spread Percentage 0.00%
To the knowledge of the undersigned, no Early Amortization Event or Early Redemption Event has occurred.
Capitalized terms used in the Monthly Servicer's Statement have their respective meanings set forth in the Indenture, Indenture
Supplement and the Servicing Agreement
At the date of this report, the Transferor as “originator” for the purposes of EU Regulation no. 575/2013 (the “CRR”) retains an economic
interest in Barclays Dryrock Issuance Trust in the form of the minimum transferor interest (option(b)) in accordance with Article 405 of the
CRR. The current transferor interest in disclosed in the relevant section of this report.
BARCLAYS BANK DELAWARE, as Servicer
By: /s/ Yasser Rezvi
Name: Yasser Rezvi
Title: Treasurer
MONTHLY SERVICER'S STATEMENT
BARCLAYS DRYROCK ISSUANCE TRUST
Series 2015-3
MONTHLY PERIOD ENDING November 30, 2015
December 15, 2015
November 04, 2015
November 04, 2015
Record date
Payment date
Monthly period beginning
Monthly period ending
Previous payment date
Interest period beginning
Interest period ending
Days in monthly period
Days in interest period 41
27
November 30, 2015
November 30, 2015
N/A
December 14, 2015
TRUST RECEIVABLES INFORMATION (calendar month of November 2015)
$8,062,903,254.54End of monthly period total receivables balance
End of monthly period non-principal receivables balance $94,132,528.72
End of monthly period principal receivables balance
$0.00
$7,968,770,725.82
Removal of principal receivables balance
Removal of non-principal receivables balance
$0.00
Addition of non-principal receivables balance $0.00
Addition of principal receivables balance
$7,978,418,806.42
$91,512,218.43Beginning of monthly period non-principal receivables balance
Beginning of monthly period total receivables balance
$7,886,906,587.99Beginning of monthly period principal receivables balance
$0.00
TRUST COLLECTIONS INFORMATION (calendar month of November 2015)
Total finance charge collections
Recoveries
Interchange
Fees
Finance charge collections
Principal collections
*Total payment rate
(* Total payment rate does not include investment earnings)
$37,016,791.23
$2,801,142.32
$74,766,576.49
$11,729,892.60
$1,854,913,497.33
24.33%
$126,314,402.64
$24,824.91Investment earnings on Issuer Accounts
TRUST DEFAULT INFORMATION (calendar month of November 2015)
Default Amount / Total Gross Losses
Total Recoveries
Total Net Losses
Portfolio Principal Balance
Total Gross Losses as a percentage of the Portfolio Principal Balance
Total Net Losses as a percentage of the Portfolio Principal Balance
Number of accounts experiencing a loss
Average Net Loss per account
$21,986,408.96
$7,886,906,587.99
6,577
($2,801,142.32)
$19,185,266.64
3.35%
2.92%
$2,917.02
1-30 days delinquent
31-60 days delinquent
61-90 days delinquent
91-120 days delinquent
121-150 days delinquent
151-180 days delinquent
181 and greater days delinquent
$126,319,775.47
$48,111,345.24
$35,930,414.55
$30,136,359.64
$25,788,131.53
$21,866,950.25
$7,008.59
0.60%
1.57%
0.00%
0.27%
0.32%
0.37%
0.45%
Delinquency Data Percentage Total receivables# accounts
13,579
39,255
9,610
7,677
6,470
5,489
3
TRANSFEROR INFORMATION
Minimum Transferor Amount Percentage in Calendar Month
Required Transferor Amount Percentage 6.00%
34.13%
Transferor Percentage as of the Transferor Amount Measurement Date 34.89%
ISSUER ACCOUNT INFORMATION
Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41
Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
BARCLAYS DRYROCK ISSUANCE TRUST
4.0124%Series 2015-3 Principal Allocation Percentage
4.0124%Series 2015-3 Floating Allocation Percentage
Series 2015-3 Allocation amount $316,456,000.00
$316,456,000.00Series 2015-3 Stated Principal Amount
Scheduled start of accumulation period 10/01/2016
Expected Final Payment Date 10/16/2017
Series Name 2015-3
Current period USD LIBOR 0.21%
Class Details Total Interest Rate Stated Principal AmountMargin
$250,000,000.00 0.50%Class A 0.71%
$66,456,000.00 0.00%Class B 0.00%
ALLOCATION OF SERIES 2015-3 AVAILABLE FINANCE CHARGE COLLECTIONS
Series 2015-3 Available Finance Charge Collections1) $4,335,245.51
Class A Notes
Class A Additional Interest and Class A Additional Interest previously due but not paidClass A Monthly Interest previously due but not paid
Class A Monthly Interest
2)
a)
b)c)
$202,898.75
$0.00$0.00
Series 2015-3 Servicing Fee paid to Servicer3)
Series 2015-3 Servicing Fee, previously due but not paid4)
$479,611.12
$0.00
Class B Notes
Class B Additional Interest and Class B Additional Interest previously due but not paid
Class B Monthly Interest previously due but not paid
Class B Monthly Interest
5)
a)
b)
c)
$0.00
$0.00
$0.00
Series 2015-3 Default Amount treated as Series 2015-3 Available Principal Collections
Holder of the Transferor Interest
Shared Excess Available Finance Charge Collections available for allocation to other series in
In the event of default and acceleration, the Outstanding Dollar Principal Amount of the notes treated
Accumulation Reserve Account funding
Unreimbursed Investor Charge-offs and Reallocated Principal Collections treated as Series 2015-3
6)
7)
8)
9)
10)
12)
$0.00
$0.00
$2,858,766.78
$2,858,766.78
Amount due under any other obligations of Barclays Dryrock Issuance Trust under the Transaction
Documents
11)
$0.00
Available Principal Collections
Shared Excess Available Finance Charge Collections (Group 1)
as Series 2015-3 Available Principal Collections
$793,968.86
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 2015-3
Class A Monthly Interest and Class A Additional Interest and any past due amounts
2)
$0.00
Unpaid Servicing Fee
Class B Monthly Interest and Class B Additional Interest and any past due amounts
Default Amount treated as Available Principal Collections
Unreimbursed Investor charge-offs and Reallocated Principal Collections treated as Series 2015-3
Available Principal Collections
Accumulation Reserve Account
Holder of the Transferor Interest
3)
4)
5)
6)
7)
8)
1)
$0.00
$0.00
$0.00
$0.00
$0.00
Series 2015-3 Available Finance Charge Collections Shortfall
9)
$0.00
$0.00
Shared Excess Available Finance Charge Collections allocated to Series 2015-3 $0.00
SERIES 2015-3 AVAILABLE PRINCIPAL COLLECTIONS
Principal Collections allocated to Series 2015-3
less Reallocated Principal Collections
plus Series Default Amount Paid from finance charge collections
plus an amount equal to the sum of Investor Charge-offs and the amount of Reallocated Principal
Collections previously not reimbursed, paid by Available Finance Charge Collections
Series 2015-3 Available Principal Collections
$62,759,758.48
$793,968.86
$0.00
$63,553,727.34
$0.00
Series 2015-3 Available Principal Collections, less any amount released and used to purchase
Receivables under Section 4.01(f) of the Series 2015-3 Indenture Supplement $13,973,565.74
APPLICATION OF SERIES 2015-3 AVAILABLE PRINCIPAL COLLECTIONS DURING REVOLVING PERIOD
Shared Excess Available Principal Collections1) $13,973,565.74
APPLICATION OF SERIES 2015-3 PRINCIPAL COLLECTIONS DURING CONTROLLED ACCUMULATION PERIOD
2)
1) $0.00
Shared Excess Available Principal Collections
Amount deposited in the Principal Funding Account
$0.00
APPLICATION OF SERIES 2015-3 AVAILABLE PRINCIPAL COLLECTIONS DURING EARLY AMORTIZATION PERIOD
1)
2)
3)
Paid to the Class B Noteholders
Paid to the Class A Noteholders
Shared Excess Available Principal Collections
$0.00
$0.00
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE PRINCIPAL COLLECTIONS ALLOCATED TO SERIES 2015-3
1)
2)
3)
3a)
Series 2015-3 Principal Collections Shortfall
Shared Excess Available Principal Collections
During the Controlled Accumulation Period:
Amount deposited in the Principal Funding Account
4)
4a)
4a)
During the Early Amortization Period:
Paid to the Class A Noteholders
Paid to the Class B Noteholders
$0.00
$0.00
$0.00
$0.00
$0.00
Holder of the Transferor Interest $13,973,565.74
SERIES 2015-3 ACCOUNT INFORMATION
Beginning balance
Current deposit
Accumulation Reserve Draw Amount
Ending Balance
Accumulation Reserve Account balance
$0.00
$0.00
$0.00
$0.00
Beginning balance
Current deposit
Paid to the Class A Noteholders
Paid to the Class B Noteholders
Ending Balance
Principal Funding Account balance
$0.00
$0.00
$0.00
$0.00
$0.00
SERIES 2015-3 PERFORMANCE DATA
12.36%
Portfolio Yield Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Base Rate
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Excess Spread Percentage
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Quarterly Excess Spread Percentage
Is the Quarterly Excess Spread Percentage greater than the Required Excess Spread Percentage?
0.00%
0.00%
12.36%
0.00%
0.00%
14.92%
0.00%
0.00%
2.56%
Yes
Required Excess Spread Percentage 0.00%
To the knowledge of the undersigned, no Early Amortization Event or Early Redemption Event has occurred.
Capitalized terms used in the Monthly Servicer's Statement have their respective meanings set forth in the Indenture, Indenture
Supplement and the Servicing Agreement
At the date of this report, the Transferor as “originator” for the purposes of EU Regulation no. 575/2013 (the “CRR”) retains an economic
interest in Barclays Dryrock Issuance Trust in the form of the minimum transferor interest (option(b)) in accordance with Article 405 of the
CRR. The current transferor interest in disclosed in the relevant section of this report.
BARCLAYS BANK DELAWARE, as Servicer
By: /s/ Yasser Rezvi
Name: Yasser Rezvi
Title: Treasurer
MONTHLY SERVICER'S STATEMENT
BARCLAYS DRYROCK ISSUANCE TRUST
Series 2015-4
MONTHLY PERIOD ENDING November 30, 2015
December 15, 2015
November 04, 2015
November 04, 2015
Record date
Payment date
Monthly period beginning
Monthly period ending
Previous payment date
Interest period beginning
Interest period ending
Days in monthly period
Days in interest period 41
27
November 30, 2015
November 30, 2015
N/A
December 14, 2015
TRUST RECEIVABLES INFORMATION (calendar month of November 2015)
$8,062,903,254.54End of monthly period total receivables balance
End of monthly period non-principal receivables balance $94,132,528.72
End of monthly period principal receivables balance
$0.00
$7,968,770,725.82
Removal of principal receivables balance
Removal of non-principal receivables balance
$0.00
Addition of non-principal receivables balance $0.00
Addition of principal receivables balance
$7,978,418,806.42
$91,512,218.43Beginning of monthly period non-principal receivables balance
Beginning of monthly period total receivables balance
$7,886,906,587.99Beginning of monthly period principal receivables balance
$0.00
TRUST COLLECTIONS INFORMATION (calendar month of November 2015)
Total finance charge collections
Recoveries
Interchange
Fees
Finance charge collections
Principal collections
*Total payment rate
(* Total payment rate does not include investment earnings)
$37,016,791.23
$2,801,142.32
$74,766,576.49
$11,729,892.60
$1,854,913,497.33
24.33%
$126,314,402.64
$24,824.91Investment earnings on Issuer Accounts
TRUST DEFAULT INFORMATION (calendar month of November 2015)
Default Amount / Total Gross Losses
Total Recoveries
Total Net Losses
Portfolio Principal Balance
Total Gross Losses as a percentage of the Portfolio Principal Balance
Total Net Losses as a percentage of the Portfolio Principal Balance
Number of accounts experiencing a loss
Average Net Loss per account
$21,986,408.96
$7,886,906,587.99
6,577
($2,801,142.32)
$19,185,266.64
3.35%
2.92%
$2,917.02
1-30 days delinquent
31-60 days delinquent
61-90 days delinquent
91-120 days delinquent
121-150 days delinquent
151-180 days delinquent
181 and greater days delinquent
$126,319,775.47
$48,111,345.24
$35,930,414.55
$30,136,359.64
$25,788,131.53
$21,866,950.25
$7,008.59
0.60%
1.57%
0.00%
0.27%
0.32%
0.37%
0.45%
Delinquency Data Percentage Total receivables# accounts
13,579
39,255
9,610
7,677
6,470
5,489
3
TRANSFEROR INFORMATION
Minimum Transferor Amount Percentage in Calendar Month
Required Transferor Amount Percentage 6.00%
34.13%
Transferor Percentage as of the Transferor Amount Measurement Date 34.89%
ISSUER ACCOUNT INFORMATION
Dryrock Issuance Trust Collection Account balance as of end of monthly period $345,797,940.41
Barclays Dryrock Issuance Trust Excess Funding Account balance as of end of monthly period $0.00
BARCLAYS DRYROCK ISSUANCE TRUST
3.8656%Series 2015-4 Principal Allocation Percentage
3.8656%Series 2015-4 Floating Allocation Percentage
Series 2015-4 Allocation amount $304,879,000.00
$304,879,000.00Series 2015-4 Stated Principal Amount
Scheduled start of accumulation period 10/01/2017
Expected Final Payment Date 10/15/2018
Series Name 2015-4
Class Details Total Interest Rate Stated Principal AmountMargin
$250,000,000.00Class A 1.72%
$54,879,000.00 0.00%Class B 0.00%
ALLOCATION OF SERIES 2015-4 AVAILABLE FINANCE CHARGE COLLECTIONS
Series 2015-4 Available Finance Charge Collections1) $4,176,648.00
Class A Notes
Class A Additional Interest and Class A Additional Interest previously due but not paidClass A Monthly Interest previously due but not paid
Class A Monthly Interest
2)
a)
b)c)
$489,722.23
$0.00$0.00
Series 2015-4 Servicing Fee paid to Servicer3)
Series 2015-4 Servicing Fee, previously due but not paid4)
$462,065.45
$0.00
Class B Notes
Class B Additional Interest and Class B Additional Interest previously due but not paid
Class B Monthly Interest previously due but not paid
Class B Monthly Interest
5)
a)
b)
c)
$0.00
$0.00
$0.00
Series 2015-4 Default Amount treated as Series 2015-4 Available Principal Collections
Holder of the Transferor Interest
Shared Excess Available Finance Charge Collections available for allocation to other series in
In the event of default and acceleration, the Outstanding Dollar Principal Amount of the notes treated
Accumulation Reserve Account funding
Unreimbursed Investor Charge-offs and Reallocated Principal Collections treated as Series 2015-4
6)
7)
8)
9)
10)
12)
$0.00
$0.00
$2,459,937.33
$2,459,937.33
Amount due under any other obligations of Barclays Dryrock Issuance Trust under the Transaction
Documents
11)
$0.00
Available Principal Collections
Shared Excess Available Finance Charge Collections (Group 1)
as Series 2015-4 Available Principal Collections
$764,922.99
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 2015-4
Class A Monthly Interest and Class A Additional Interest and any past due amounts
2)
$0.00
Unpaid Servicing Fee
Class B Monthly Interest and Class B Additional Interest and any past due amounts
Default Amount treated as Available Principal Collections
Unreimbursed Investor charge-offs and Reallocated Principal Collections treated as Series 2015-4
Available Principal Collections
Accumulation Reserve Account
Holder of the Transferor Interest
3)
4)
5)
6)
7)
8)
1)
$0.00
$0.00
$0.00
$0.00
$0.00
Series 2015-4 Available Finance Charge Collections Shortfall
9)
$0.00
$0.00
Shared Excess Available Finance Charge Collections allocated to Series 2015-4 $0.00
SERIES 2015-4 AVAILABLE PRINCIPAL COLLECTIONS
Principal Collections allocated to Series 2015-4
less Reallocated Principal Collections
plus Series Default Amount Paid from finance charge collections
plus an amount equal to the sum of Investor Charge-offs and the amount of Reallocated Principal
Collections previously not reimbursed, paid by Available Finance Charge Collections
Series 2015-4 Available Principal Collections
$60,463,800.37
$764,922.99
$0.00
$61,228,723.36
$0.00
Series 2015-4 Available Principal Collections, less any amount released and used to purchase
Receivables under Section 4.01(f) of the Series 2015-4 Indenture Supplement $11,648,561.76
APPLICATION OF SERIES 2015-4 AVAILABLE PRINCIPAL COLLECTIONS DURING REVOLVING PERIOD
Shared Excess Available Principal Collections1) $11,648,561.76
APPLICATION OF SERIES 2015-4 PRINCIPAL COLLECTIONS DURING CONTROLLED ACCUMULATION PERIOD
2)
1) $0.00
Shared Excess Available Principal Collections
Amount deposited in the Principal Funding Account
$0.00
APPLICATION OF SERIES 2015-4 AVAILABLE PRINCIPAL COLLECTIONS DURING EARLY AMORTIZATION PERIOD
1)
2)
3)
Paid to the Class B Noteholders
Paid to the Class A Noteholders
Shared Excess Available Principal Collections
$0.00
$0.00
$0.00
APPLICATION OF SHARED EXCESS AVAILABLE PRINCIPAL COLLECTIONS ALLOCATED TO SERIES 2015-4
1)
2)
3)
3a)
Series 2015-4 Principal Collections Shortfall
Shared Excess Available Principal Collections
During the Controlled Accumulation Period:
Amount deposited in the Principal Funding Account
4)
4a)
4a)
During the Early Amortization Period:
Paid to the Class A Noteholders
Paid to the Class B Noteholders
$0.00
$0.00
$0.00
$0.00
$0.00
Holder of the Transferor Interest $11,648,561.76
SERIES 2015-4 ACCOUNT INFORMATION
Beginning balance
Current deposit
Accumulation Reserve Draw Amount
Ending Balance
Accumulation Reserve Account balance
$0.00
$0.00
$0.00
$0.00
Beginning balance
Current deposit
Paid to the Class A Noteholders
Paid to the Class B Noteholders
Ending Balance
Principal Funding Account balance
$0.00
$0.00
$0.00
$0.00
$0.00
SERIES 2015-4 PERFORMANCE DATA
11.51%
Portfolio Yield Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Base Rate
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Excess Spread Percentage
Current Monthly Period
Prior Monthly Period
Second Prior Monthly Period
Quarterly Excess Spread Percentage
Is the Quarterly Excess Spread Percentage greater than the Required Excess Spread Percentage?
0.00%
0.00%
11.51%
0.00%
0.00%
14.92%
0.00%
0.00%
3.41%
Yes
Required Excess Spread Percentage 0.00%
To the knowledge of the undersigned, no Early Amortization Event or Early Redemption Event has occurred.
Capitalized terms used in the Monthly Servicer's Statement have their respective meanings set forth in the Indenture, Indenture
Supplement and the Servicing Agreement
At the date of this report, the Transferor as “originator” for the purposes of EU Regulation no. 575/2013 (the “CRR”) retains an economic
interest in Barclays Dryrock Issuance Trust in the form of the minimum transferor interest (option(b)) in accordance with Article 405 of the
CRR. The current transferor interest in disclosed in the relevant section of this report.
BARCLAYS BANK DELAWARE, as Servicer
By: /s/ Yasser Rezvi
Name: Yasser Rezvi
Title: Treasurer
