AYT Goya Hipotecario II, FTdA

This will be the second occasion that the originator of this transaction Barclays Bank S.A. a
subsidiary of Barclays Bank PLC has used the Goya vehicle to bring a residential mortgage
securitisation to the market (see IM Goya Hipotecario I FTA, closed in Oct 2007).

The 11,036 mortgage loans in the portfolio for the transaction are "Certificados de Transmisión
Hipotecaria" (CTHs), all granted to individuals domiciled in Spain. The average outstanding bal-
ance is Eur296,667 and at the cut-off date no loans were in arrears of over 30 days. The WA
current loan-to-value (LTV) ratio is 54.50% (range from 0.09% - 99.99%). And WA seasoning
is 25.24mnths.

Geographically, the four largest exposures are: Madrid (33.65%), Andalucia (14.25%), Catalonia
(13.60%), and Valencia (9.45%).

NB. Historical and current Investor reports for previously originated Barclays Bank SA trans-
actions are available on EuroABS. Run cursor over "Issuers" and click the Access ABS Issues
tab for full list of reporting Issuers.

Compare/contrast: IM Goya Hipotecario I FTA, AyT Genova Hipotecaria XI, BBVA RMBS 5 FTA
IM Goya Hipotecario I FTAAyT Genova Hipotecaria XIBBVA RMBS 5 FTA