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Russian division of Cetelem provides a full range of consumer and auto loans to its clients at sales centers through the network of federal and regional partners retail chains and auto dealers , and it also issues credit cards in cooperation with MasterCard. Cetelem has its representative offices in 61 regions of Russia and continuously expands its geographic footprint.

The operations of Cetelem are based on advanced global consumer lending technologies that allow to offer a wide a range of innovative loan products that may be adjusted to the needs of its clients and partners. For more information please visit www. Russia The bank for a changing world. No mechanically reproduced entries permitted.

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Illegible and incomplete entries are void. Potential Grand Prize Winner will be notified by phone or e-mail. Decisions of judges are final and binding in all matters relating to this Promotion. Odds of winning will depend upon the total number of eligible entries received. Actual retail value may vary depending on rate changes for accommodations and tickets.

Any difference between stated approximate retail value and actual value of prize will not be awarded. All travel-related expenses not set forth herein, including but not limited to ground travel, meals, gratuities and incidental hotel and other expenses, are the sole responsibility of the Winners.

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Sponsor Entities defined below are not responsible if the tournament is delayed or cancelled for any reason, in whole or in part. In that event, Winners will receive remainder of the Prize. No compensation will be paid in lieu of accommodations or ticket packages, or any portion of prize.

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Prizes include only those items specifically listed as part of the Grand Prize. Maybe because, contrary to what one might suppose, those noted tech-fans the millennials actually do more of their shopping at bricks-and-mortar stores than online. In fact it appears that they are happy to grab the opportunities that present themselves, rather than having any real preference for one method over another. If this theory turns out to be true, then cash-back apps and money-off coupons have a bright future in front of them.

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