**EXHIBIT34.2**

Reportof Independent Registered Public Accounting Firm

TheBoard of Directors

BarclaysBank PLC:

 

Wehave examined management’s assertion, included in the accompanying Report on Assessment of Compliance with Servicing Criteria,that Barclays Bank PLC (the Company or the Asserting Party) complied with the servicing criteria set forth in Item 1122(d) of the Securitiesand Exchange Commission’s Regulation AB (the Servicing Criteria) for the asset-backed securities transactions backed by creditcard receivables, for which transactions the Asserting Party acted as servicer as of and for the year ended December 31, 2021 (the ReportingPeriod), that were registered with the Securities and Exchange Commission pursuant to the Securities Act of 1933, as amended, where therelated asset-backed securities were outstanding during the Reporting Period (the Platform), except for servicing criteria 1122(d)(1)(ii),1122(d)(1)(iii), 1122(d)(1)(iv), 1122(d)(2)(i), 1122(d)(2)(ii), 1122(d)(2)(iii), 1122(d)(2)(iv), 1122(d)(2)(v), 1122(d)(2)(vi), 1122(d)(2)(vii)1122(d)(3)(iii), 1122(d)(3)(iv), 1122(d)(4)(i), 1122(d)(4)(ii), 1122(d)(4)(iii), 1122(d)(4)(iv), 1122(d)(4)(v), 1122(d)(4)(vi), 1122(d)(4)(vii),1122(d)(4)(viii), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), 1122(d)(4)(xiii), 1122(d)(4)(xiv), and 1122(d)(4)(xv),which the Company has determined are not applicable to the activities it performs with respect to the Platform. The Company has determinedthat servicing criterion 1122(d)(3)(i) is applicable to the activities performed by the Company with respect to the Platform only asit relates to the calculation of information contained in reports to investors. The Company has determined that servicing criterion 1122(d)(3)(ii)is applicable to the activities performed by the Company with respect to the Platform only as it relates to the preparation of the allocation and remittance instructions. Appendix B to management's Report on Assessment of Compliance with Servicing Criteria identifies theindividual asset-backed transactions and securities defined by management as constituting the Platform. Management is responsible forthe Company’s compliance with the Servicing Criteria. Our responsibility is to express an opinion on management’s assertionabout the Company’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.

Inour opinion, management’s assertion that Barclays Bank PLC complied with the aforementioned Servicing Criteria as of and for theyear ended December 31, 2021 is fairly stated, in all material respects.

 

/s/KPMG LLP 

 

Philadelphia,Pennsylvania

March25, 2022