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Applicants must be: • Aged 18 years or older from the application date • In permanent UK residence for a minimum of three years • Fulfil at least one of the following employment criteria: • In regular, permanent employment. • Retired from regular employment - With a minimum age of 50. • Not working through disability. • Self-employed. Note: All applicants will be subject to a credit reference check by the lender.

Credit is subject to application and status. Warehouse Express Ltd trading as Wex Photographic act as credit broker and not the lender. Barclays Partner Finance act as the lender. Can I repay early? No repayments are scheduled in the initial six-month deferral period.

However, it is possible to pay off the loan, either by way of a lump sum or in smaller amounts. If the loan is fully repaid within the six-month deferral period, then no interest is payable, but a £29.00 early-settlement will be incurred. Such repayments may be made to Barclays Partner Finance by cheque, debit card or standing order. Unfortunately it is not possible to set up a direct debit within the deferral period. Further information on how to make such repayments will be set out in the loan agreement pack provided by Barclays Partner Finance.

What happens if I don't repay within the first six months (deferral period)? Following the six month deferral period, Barclays Partner Finance will initiate a monthly direct debit payment for the remaining duration of the loan. Interest will be charged at a rate of 19.9% APR on outstanding balances (backdated to the first date of the loan). Late payment penalties and early repayment charges will apply from this point. Barclays Partner Finance will send a reminder letter approximately one month before the six month deferral period is due to elapse.

Note: If you chose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start of the repayment period. What will I receive from the finance provider (lender)?

Barclays Partner Finance will send a loan agreement pack approximately four weeks after delivery of the goods, confirming that the account has been activated and, from this point, it is possible to make repayments against the loan. For further information on how our finance product work, see our section.

Wex Photo Video is a trading name of Warehouse Express Limited (Company Registration no. 03366976) Warehouse Express Limited operates alongside its sister company, Calumet Photographic Limited (Company registration no. 0425579), which operates a number of retail stores across the UK branded as Calumet Photographic and Wex Photo Video. Registered Office: 13 Frensham Road, Sweet Briar Industrial Estate, Norwich, Norfolk, NR3 2BT.

Technical specifications are for guidance only and cannot be guaranteed accurate. All offers subject to availability and while stocks last. Errors and omissions excepted. Warehouse Express Ltd trading as Wex Photo Video, 13 Frensham Road, Norwich.

Company registration number 03366976 acts as a credit broker and not the lender. Warehouse Express Ltd only offers financial products from Barclays Partner Finance. Barclays Partner Finance acts as the lender. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited a wholly owned subsidiary of Barclays Bank PLC. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 311753) Registered in England. Registered No 2901725.