Harben Finance 2017-1 (2026 Refinance): 25 September 2026

Harben Finance 2017-1 (2026 Refinance) is a re-financing of the Harben Finance 2017-1 2022 Refinance.

The Issuer will make payments on the Notes from, among other things, payments of principal and revenue received from a portfolio comprising buy-to-let loans, the equitable interest in which will be sold to the Issuer by Isle of Wight Home Loans Limited on the Closing Date (24 September 2026).

The Issuer financed the acquisition of the portfolio from the original seller (Prudential Loan Investments 1 Sàrl) on the original closing date through the issuance of certain classes of notes and certain certificates.

The portfolio consists of 4,692 main accounts (4,833 sub-accounts) where the average balance is £110,618 and the largest balance is £901,684. All the loans are buy-to-let. Repayment type (by current balances): Interest-only – 98.14%, repayment – 1.40%, part & part - 0.46%. Interest rate type: Variable - 98.11%, other – 1.89%. The WA current indexed LTV is 48.13% (original LTV was 80.7%) and the WA seasoning is 241.84 months. Regional concentration (by current balances): London – 28.55%, other South East - 12.66% and the North West – 11.68%.

UK & EU Risk Retention: Barclays Bank PLC (the Retention Holder) as "originator" for the purposes of the UK Securitisation Regulation will undertake that it will, while any of the Notes remain outstanding, retain on an ongoing basis a material net economic interest in the securitisation in accordance with Article 6(1) of the UK Securitisation Regulation by retaining not less than 5% of the nominal value of each of the tranches sold or transferred to investors, and in accordance with Article 6(3)(a) of the UK Securitisation Regulation by retaining not less than 5% of the nominal value of each Class of Notes, the Class X1 Certificates and the Class X2 Certificates). In relation to the Class A1 Debt, the Retention Holder will satisfy its applicable risk retention requirements by holding the Class A1 Notes in an amount equal to at least 5% of the aggregate notional amount of the Class A1 Debt.

In addition, the Retention Holder will undertake that it will, while any of the Notes remain outstanding, retain on an ongoing basis a material net economic interest in the securitisation of not less than 5% in accordance with Article 6(1) of the EU Securitisation Regulation.

US Risk Retention: The Retention Holder intends to satisfy the US Credit Risk Retention Requirements by acquiring and retaining, directly, an eligible vertical interest (EVI) equal to a minimum of 5% of the nominal value of each Class of Notes and the Certificates.