EXHIBIT 10.1

FIRST AMENDMENT TO
AMENDED AND RESTATED RECEIVABLES PURCHASE AGREEMENT

THIS FIRST AMENDMENT TO AMENDED AND RESTATED RECEIVABLES PURCHASE AGREEMENT, dated as of April 1, 2022 (this “Amendment”), is entered into by and between BARCLAYS BANK DELAWARE, as Seller (the “Seller”) and BARCLAYS DRYROCK FUNDING LLC (“Dryrock Funding”). Capitalized terms used in this Amendment and not otherwise defined herein will have the meanings assigned to them in the Purchase Agreement (as defined below).

W I T N E S S E T H

WHEREAS the parties hereto are parties to that certain Receivables Purchase Agreement, dated as of August 1, 2012 and as amended and restated as of December 17, 2013 (the “Purchase Agreement”);

WHEREAS, the parties hereto intend to amend the Purchase Agreement as set forth herein.

NOW, THEREFORE, the parties hereto agree as follows:

SECTION 1. Amendments. The Purchase Agreement is hereby amended by amended and restating Section 2.04 as follows:

“Section 2.04. Additional Approved Portfolios; Portfolio Limits. The Seller may from time to time designate additional portfolios of accounts as “Approved Portfolios” if the Note Rating Agency Condition is satisfied with respect to the designation of such portfolios.”

SECTION 2. Effectiveness. This Amendment shall become effective upon satisfaction of the following conditions:

(a) delivery of an Officer’s Certificate, from Seller to the Indenture Trustee, to the effect that Seller reasonably believes that the Amendment will not result in an Early Amortization Event;

(b) satisfaction of the Note Rating Agency Condition;

(c) counterparts of the Second Amendment to Amended and Restated Transfer Agreement, dated as of the date hereof, by and among Dryrock Funding, Barclays Dryrock Issuance Trust and U.S. Bank National Association; and

(d) counterparts of this Amendment, duly executed by the parties hereto.

SECTION 3. Waiver of Notice. Notwithstanding anything to the contrary set forth in the Purchase Agreement, each of the undersigned parties hereby waive any notice or other timing requirements with respect to and gives its consent to the amendments provided for herein.

SECTION 4. Ratification of Agreement. Except as specifically amended, modified or supplemented by this Amendment, the Purchase Agreement is hereby confirmed and ratified in all respects and shall remain in full force and effect. This Amendment shall not constitute a novation of the Purchase Agreement, but shall constitute an amendment thereof. Each of the parties to the Purchase Agreement agrees to be bound by the terms of the obligations of the Purchase Agreement, as amended by this Amendment, as though the terms and obligations of such agreement were set forth herein.

SECTION 5. Counterparts. This Amendment may be executed in any number of counterparts and by separate parties hereto on separate counterparts, each of which when executed shall be deemed an original, but all such counterparts taken together shall constitute one and the same instrument.

SECTION 6. Governing Law. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, INCLUDING SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS AND THE OBLIGATIONS, RIGHTS, AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

[SIGNATURES FOLLOW]

IN WITNESS WHEREOF, the undersigned parties have caused this Amendment to be duly executed as of the date first above written.

	BARCLAYS BANK DELAWARE, as Seller

	By:	/s/ Danielle Manley
	Name:	Danielle Manley
	Title:	Treasurer

	BARCLAYS DRYROCK FUNDING LLC

	By:	/s/ Danielle Manley
	Name:	Danielle Manley
	Title:	President and Chief Executive Officer

Barclays Dryrock Funding LLC 8-K