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Countryman of Derby Limited is an Introducer Appointed Representative of Pay4Later Limited, trading as Deko, which is authorised and regulated by the Financial Conduct Authority (FRN 728646). Deko is a credit broker, not a lender and does not charge you for credit broking services. Deko will introduce you exclusively to Duologi finance products provided by Specialist Lending Ltd T/A Duologi under this Introducer Appointed Representative arrangement. Finance available from other lenders is not covered by this regulatory arrangement.