EXHIBIT 4.10

                              FORM OF CERTIFICATE

                    GRACECHURCH RECEIVABLES TRUSTEE LIMITED
             (INCORPORATED IN JERSEY WITH REGISTERED NUMBER 75210)

             [THIS CERTIFICATE SHALL BE AUTHENTICATED AND RETAINED
                          OUTSIDE THE UNITED KINGDOM]

                               RECEIVABLES TRUST
                                  CERTIFICATE
                                  SERIES 03-1


Evidencing  an  undivided interest and other interests in the trust constituted
by the Declaration  of  Trust  and  Trust  Cash  Management  Agreement dated 23
November 1999 between Gracechurch Receivables Trustee Limited and Barclays Bank
PLC (the "TRUST AND CASH MANAGEMENT AGREEMENT") and supplemented  by the Series
03-1 Supplement dated [*] 2003 to the Trust and Cash Management Agreement  (the
"SUPPLEMENT")

           NOT AN INTEREST IN OR OBLIGATION OF BARCLAYS BANK PLC OR

                            ANY AFFILIATE THEREOF.

This  Certificate  certifies  that  upon  execution  and authentication of this
Certificate  in  accordance  with  Clause  4 of the Trust and  Cash  Management
Agreement,  Barclaycard Funding PLC, as holder  of  the  Certificate  became  a
Beneficiary of  the  Receivables  Trust and as such is beneficially entitled to
Trust Property in the amount and in  the  manner  set out in the Trust and Cash
Management Agreement as supplemented by the Supplement.

Terms  defined in the Master Definitions Schedule dated  23  November  1999  as
amended  and  restated  on 24 October 2002 and in the Supplement shall have the
same meaning in this Certificate.

PLEASE NOTE THE FOLLOWING:

1.    The Certificate is  in  registered  form  and  evidences  the  beneficial
      entitlement of Barclaycard Funding PLC in the Receivables Trust.

2.    No transfer of this Certificate or Disposal of the beneficial entitlement
      of  Barclaycard  Funding  PLC in the Receivables Trust shall be permitted
      except in accordance with Clauses 3.7(a)(iii) and 4.2(a)(ii) of the Trust
      and Cash Management Agreement.

3.    The entries in the Trust Certificate  Register shall be conclusive in the
      absence of manifest error and the Trust  Cash Manager and the Receivables
      Trustee shall be entitled to treat Barclaycard Funding PLC (as the Person
      in whose name this Certificate is registered) as the owner hereof and the
      Person beneficially entitled to Trust Property as a consequence thereof.




4.    Unless the Certificate of Authentication hereon  has  been executed by or
      on  behalf  of  the Receivables Trustee by manual signature,  Barclaycard
      Funding PLC shall  not  become  beneficially  entitled  to Trust Property
      pursuant  to an Acquisition as the holder of this Certificate  and  shall
      not be registered  in  the  Trust  Certificate Register as holder of this
      Certificate.

IN WITNESS WHEREOF, Barclays Bank PLC has executed this Certificate as a deed.

BARCLAYS BANK PLC

By:

       Name:

       Title:

Date:  [*]

CERTIFICATE OF AUTHENTICATION

This  is the Certificate referred to in the  above  mentioned  Trust  and  Cash
Management Agreement and Supplement.

GRACECHURCH RECEIVABLES TRUSTEE LIMITED

By:

       Name:

       Title:

Date:  [*]

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