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EXHIBIT 99.3

ANNUAL SERVICERS CERTIFICATE

BARCLAYS BANK PLC



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GRACECHURCH CARD FUNDING (NO. 2) PLC



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The undersigned, a duly authorized representative of Barclay Bank PLC
(the Bank), as Servicer, pursuant to the Beneficiaries Servicing Agreement,
dated as of November 23, 1999 ( the Agreement), among the Bank, as Servicer
and Barclaycard Funding PLC, as Investor Beneficiary, does hereby certify that:



| |                                                                                                                                                                                  
| | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | 1. The Bank is, as of the date hereof, the Servicer under the
Agreement. Capitalized terms used in this Certificate have their
respective meanings as set forth in the Agreement.



| |                                                                                                         
| | --------------------------------------------------------------------------------------------------------
| | 2. The undersigned is duly authorized pursuant to the Agreement to
execute and deliver this Certificate.



| |                                                                                                                                   
| | ----------------------------------------------------------------------------------------------------------------------------------
| | 3. A review of the activities of the Servicer during the calendar
year ended December 31, 2002 was conducted under my supervision.



| |                                                                                                                                                                                                                                                                                                                        
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | 4. Based on such review, the Servicer has, to the best of my
knowledge, performed in all material respects its obligations under the
Agreement throughout such calendar year and no material default in the
performance of such obligations has occurred or is continuing except as
set forth in the Paragraph 5 below.



| |                                                                                                                                                                                                                                                                                                                                                                                                                                                             
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | 5. The following is a description of each material default in the
performance of the Servicers obligations under the provisions of the
Agreement known to the undersigned to have been made by the Servicer
during the calendar year ended December 31, 2002, which sets forth in
detail (i) the nature of each such default, (ii) the action taken by the
Servicer, if any, to remedy each such default and (iii) the current
status of each such default:



| |      
| | -----
| | None.



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IN WITNESS WHEREOF, the undersigned has duly executed this Annual
Servicers Certificate this 15th day of July, 2003.

| |  |                               |  |                             |  |                                      
| |  | ----------------------------- |  | --------------------------- |  | -------------------------------------
| |  | BARCLAYS BANK PLC
as Servicer
| |  |                               |  |                             |  |                                      
| |  |                               |  |                             |  |                                      
| |  | By:                           |  | /s/ Richard Francis
Sommers | 
| |  |                               |  |                            
| |  |                               |  | Name:                       |  | Richard Francis Sommers              
| |  |                               |  | Title:                      |  | Finance Director
Barclaycard Division

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