| **Exhibit        31.1** |
|-------------------------|

**Rule  13a-14(d)/15d-14(d) under the Securities Exchange Act of 1934 Certification  (Section 302 of the Sarbanes-Oxley Act of 2002 Certification).**

**CERTIFICATION**

I, Gerald Pavelich, certify  that:

| 1. | I have reviewed this      report on Form 10-K and all reports on Form 10-D required to be filed in      respect of the period covered by this report on Form 10-K of Dryrock Issuance      Trust (the “Exchange Act periodic reports”); |
|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2. | Based on my knowledge,      the Exchange Act periodic reports, taken as a whole, do not contain any      untrue statement of a material fact or omit to state a material fact necessary      to make the statements made, in light of the circumstances under which such      statements were made, not misleading with respect to the period covered      by this report; |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3. | Based on my knowledge,      all of the distribution, servicing and other information required to be      provided under Form 10-D for the period covered by this report is included      in the Exchange Act periodic reports; |
|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4. | I am responsible for      reviewing the activities performed by the servicers and based on my knowledge      and the compliance reviews conducted in preparing the servicer compliance      statements required in this report under Item 1123 of Regulation AB, and      except as disclosed in the Exchange Act periodic reports, the servicers      have fulfilled their obligations under the servicing agreements in all material      respects; and |
|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5. | All of the reports      on assessment of compliance with servicing criteria for asset-backed securities      and their related attestation reports on assessment of compliance with servicing      criteria for asset-backed securities required to be included in this report      in accordance with Item 1122 of Regulation AB and Exchange Act Rules 13a-18      and 15d-18 have been included as an exhibit to this report, except as otherwise      disclosed in this report. Any material instances of noncompliance described      in such reports have been disclosed in this report on Form 10-K. |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

In giving the certifications  above, I have reasonably relied on information provided to me by the following  unaffiliated parties: U.S. Bank National Association and REMITCO, LLC.

Date: March 27, 2013

|   | By:                                                                                                                       |   | /s/        Gerald Pavelich                       |   |
|--------|---------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|   | Name:                                                                                                                     |   | Gerald        Pavelich*                                                                                                                                        |   |
|   | Title:                                                                                                                    |   | Chief        Financial Officer                                                                                                                                 |   |
|   |                                                                                                                           |   | Barclays        Bank Delaware                                                                                                                                  |   |
|   | *Gerald        Pavelich is the senior officer in        charge of the servicing function of        Barclays Bank Delaware |   |