** exHIBIT34.****1**

Reportof Independent Registered Public Accounting Firm

TheBoard of Directors

BarclaysBank Delaware:

 

Wehave examined management’s assertion, included in the accompanying Report on Assessment of Compliance with Servicing Criteria,that Barclays Bank Delaware (the Company or the Asserting Party) complied with the servicing criteria set forth in Item 1122(d) ofthe Securities and Exchange Commission’s Regulation AB (the Servicing Criteria) for the asset-backed securities transactionsbacked by credit card receivables, for which transactions the Asserting Party acted as servicer as of and for the year endedDecember 31, 2021 (the Reporting Period), that were registered with the Securities and Exchange Commission pursuant to theSecurities Act of 1933, as amended, where the related asset-backed securities were outstanding during the Reporting Period (thePlatform), except for servicing criteria 1122(d)(1)(iii), 1122(d)(1)(iv), 1122(d)(2)(ii), 1122(d)(2)(iii), 1122(d)(2)(v),1122(d)(2)(vi), 1122(d)(3)(iii), 1122(d)(3)(iv), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), 1122(d)(4)(xiii), and1122(d)(4)(xv), which the Company has determined are not applicable to the activities it performs with respect to the Platform. TheCompany has determined that servicing criterion 1122(d)(2)(i) is applicable to the activities performed by the Company with respectto the Platform only as it relates to sending payments on the pool assets to the trustee. The Company has determined that servicingcriterion 1122(d)(2)(iv) is applicable to the activities performed by the Company with respect to the Platform only as it relates toproviding direction to the Trustee relative to custodial bank account origination and maintenance. The Company has determined thatservicing criterion 1122(d)(3)(i) is applicable to the activities performed by the Company with respect to the Platform only as itrelates to clauses (A) and (C), the monitoring of the preparation and filing of investor reports and the signing of investorreports. The Company has determined that servicing criterion 1122(d)(3)(ii) is applicable to the activities performed by the Companywith respect to the Platform only as it relates to the forwarding of allocation and remittance instructions to the trustee. AppendixB to management’s Report on Assessment of Compliance with Servicing Criteria identifies the individual asset-backedtransactions and securities defined by management as constituting the Platform. Management is responsible for the Company’scompliance with the Servicing Criteria. Our responsibility is to express an opinion on management’s assertion about theCompany’s compliance with the Servicing Criteria based on our examination.

Ourexamination was conducted in accordance with the standards of the Public Company Accounting Oversight Board (United States) and in accordancewith attestation standards established by the American Institute of Certified Public Accountants to obtain reasonable assurance and,accordingly, included examining, on a test basis, evidence about the Company’s compliance with the Servicing Criteria and performingsuch other procedures as we considered necessary in the circumstances. Our examination included testing selected asset-backed transactionsand securities that comprise the Platform, testing selected servicing activities related to the Platform, and determining whether theCompany processed those selected transactions and performed those selected activities in compliance with the Servicing Criteria. Furthermore,our procedures were limited to the selected transactions and servicing activities performed by the Company during the period coveredby this report. Our procedures were not designed to determine whether errors may have occurred either prior to or subsequent to our teststhat may have affected the balances or amounts calculated or reported by the Company during the period covered by this report for theselected transactions or any other transactions. We believe that our examination provides a reasonable basis for our opinion. Our examinationdoes not provide a legal determination on the Company’s compliance with the Servicing Criteria.

Asdescribed in the accompanying Report on Assessment of Compliance with Servicing Criteria, for servicing criterion 1122(d)(2)(i) theCompany has engaged various vendors to perform the activities required by these servicing criteria. The Company has determined thatthis vendor is not considered a “servicer” as defined in Item 1101(j) of Regulation AB, and the Company has elected totake responsibility for assessing compliance with the servicing criteria applicable to each vendor as permitted by the SEC’sCompliance and Disclosure Interpretation (C&DI) 200.06, Vendors Engaged by Servicers (C&DI 200.06). As permitted by C&DI200.06, the Company has asserted that it has policies and procedures in place designed to provide reasonable assurance that thevendor’s activities comply in all material respects with the servicing criteria applicable to each vendor. The Company issolely responsible for determining that it meets the SEC requirements to apply C&DI 200.06 for the vendors and related servicingcriteria as described in its assertion, and we performed no procedures with respect to the Company’s eligibility to applyC&DI 200.06.

Inour opinion, management’s assertion that Barclays Bank Delaware complied with the aforementioned Servicing Criteria, includingservicing criterion 1122(d)(2)(i) for which compliance is determined based on C&DI 200.06 as described above, as of and for the yearended December 31, 2021 is fairly stated, in all material respects.

 

/s/KPMG LLP 

 

Philadelphia,Pennsylvania

March25, 2022

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