“Halva” card gives you the possibility to make daily purchases in affiliated shops by installments for a period of 12 months with no initial payment, commissions or overpayments.Advantages of “Halva” card:1. Instant purchases by installments with no paperwork or temporary expenses! 2. Transparent instalment plan. If you make purchases in affiliated shops, you get interest-free instalment plan for a period of up to 12 months. 3. With no initial payment and overpayment. The cost of a product equals the cost of instalment plan. Every purchase value is divided into equal quantity of payments depending on the term of the instalment plan. 4. Renewable credit limit.5. Wide and constantly growing network of affiliated shops.6. MasterCard World premium card with PayPass technology and a chip.7. The card is totally FREE: with no commission for keeping of an annual account. 8. All the expenses are at the client`s control: you can follow the detailed information on purchases made anytime in your profile on the website or using the mobile app!Product description:• Credit limit – up to 350 000 rubles• Instalment plan term - from 1 to 12 months• Rate for using the instalment plan - 0% • Age - from 20 to 75 yearsTerms:• Russian Federation citizenship• Official employment• Permanent registration• Work or home landlineTOP-15 regions:• Moscow and Moscow region • Saint Petersburg and the region • Krasnodar region • Sverdlovsk region • Republic of Bashkortostan • Krasnoyarsk region • Rostov region • Perm territory • Samara region• Chelyabinsk region• Irkutsk region• Kemerovo region • Tatarstan republic• Novosibirsk region • Buryat republicTarget audience:• 20-25 years - 5%• 26-30 years - 30%• 31-40 years - 36%• 41-50 years - 19%• 51+ years - 10%

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