Example for reference: Customers who purchase iPhone 13 mini 128GB (handset price plus prepayment is HK$5,499) and join iPhone for Life. Customers can enjoy interest-free instalment plan, and designated "Guaranteed Buy-Back Value". Detail calculations:

Total instalment amount for the first 24 months: HK$177^* per month x 24 months = HK$4,248 (approximately 78% of handset price plus prepayment)

• Customers can return the iPhone to a designated 1O1O Center on the 24th month to receive the "Guaranteed Buy-Back Value" with an option for upgrading to a newer iPhone model, or choose to keep the iPhone and continue the instalment payment until the 31st month (total HK$5,499).
• "Guaranteed Buy-Back Value": Handset price plus prepayment - total paid instalment amount of first 24 months = HK$$5,499-HK$4,248 = HK$1,241^* (approximately 22% of handset price plus prepayment)

Remark: Above sample is for illustration only.

(1) The monthly instalment payment amount is subject to the designed credit card bank, monthly instalment payment amount and percentage are subject to the consideration of places of decimal in calculation. Example: customers purchase a iPhone 13 mini 128GB and join 31 months instalment period, monthly instalment amount for the first 24 months is HKD177.39 (handset price plus prepayment HKD5,499 / 31 months = HKD177.39) and total instalment amount for the 24 months is HKD4,257.29. On the 24th month, customers can choose to return the iPhone to enjoy the "Guaranteed Buy-Back Value" of HKD1,241.71.

(2) Valued at approximately 22% of handset price plus prepayment.

^# Promotion valid until May 31, 2022. Only applicable to selected customers ("Customers") of Hang Seng Credit Cards ("Approved Credit Cards") issued by Hang Seng Bank (Hong Kong) Limited ("Hang Seng Bank"). Must subscribe to a designated 5G service plan with iPhone 13 at 1O1O Center, and apply for iPhone for Life program within the specified time and pay the handset price plus prepayment with the designated Hang Seng credit card. Must subscribe to a designated VAS to the value of HK$39/month or above, and agree to a commitment period of 24 months or above. An Administration Fee of HK$18 per month is payable in respect of all service plans. Eligible customers can enjoy approximately 78% of handset price plus prepayment for the first 24 months, and the 25th installment is approximately 22% of handset price plus prepayment (also equal to the guaranteed buy-back value). Within 25 days after the 24th monthly statement date of the designated Hang Seng credit card, customers can choose to return the iPhone to a designated 1O1O Center to receive the guaranteed buy-back value (also equal to the 22% of handset price plus prepayment) with an option for upgrading to a newer iPhone model, or choose to keep their iPhone. Also payable are a prepayment sum and additional monthly fee (prepayment sum depends on the handset model and subscription plan you choose). Prepayment and rebate will be credited to a 1O1O account by installments over the commitment period. The SIM and smart gadget bundle monthly fee will revert to the basic SIM plan charge when the contract period ends. Your local data entitlement remains the same. Please visit 1O1O’s website for service plan details and Terms & Conditions. iPhone for Life program is provided by Hang Seng Bank.

^@ Promotion valid until May 31, 2022. Only applicable to selected customers ("Customers") of Hang Seng Credit Cards ("Approved Credit Cards") issued by Hang Seng Bank (Hong Kong) Limited ("Hang Seng Bank"). Must purchase a designated iPhone 13 series handset (only applicable to iPhone 13/ 13 mini/ 13 Pro/ 13 Pro Max, maximum 2 handsets for each customer) at 1O1O Center, and apply for iPhone for Life program within the specified time and pay the special standalone handset price with the designated Hang Seng credit card. Eligible customers can enjoy approximately 78% of special standalone handset price for the first 24 months, and the 25th installment is approximately 22% of special standalone handset price (also equal to the guaranteed buy-back value). Within 25 days after the 24th monthly statement date of the designated Hang Seng credit card, customers can choose to return the iPhone to a designated 1O1O Center to receive the guaranteed buy-back value (also equal to the 22% of handset price plus prepayment) with an option for upgrading to a newer iPhone model, or choose to keep their iPhone. Please visit 1O1O’s website for service plan details and Terms & Conditions. iPhone for Life program is provided by Hang Seng Bank.

^Δ Extra-low monthly payment refers to the comparison between the first 24 installments and the 24-month installment payment with a normal credit card.

* The act of returning a product must comply with the below Terms & Conditions:
Merchant Product Return Terms and Conditions

1. Customers shall have the Product Return Option provided by the CSL Mobile Limited (“CSL”/”We”)  to return the Product within 25 days after the 24th month from transaction date under the Plan to receive the Buy-Back Value, subject to the conditions hereunder from the Merchant and “1O1O iPhone for Life Trade-in Service”.
2. Upon successful assessment by us of the returned Product based on the Device Acceptance Criteria herein, and subject to customer’s full compliance of the Merchant Product Return Terms and Conditions, 1O1O iPhone for Life Trade-in Service” and the terms and conditions governing the Plan, we shall pay the Buy-Back Value by crediting directly to the Cardholder’s designated Hang Seng Credit Card account within 21 days counted from the day of returning the Product at our retail store.
3. The returned Product shall be subject to functional diagnostics and physical assessment during Product return based on the Device Acceptance Criteria herein.
4. We reserve the right to refuse to provide this Trade-in Service to you if the devices that do not comply with below< Device Acceptance Criteria>.

   Device Acceptance Criteria

   Eligible Grades	Remarks
   Turn ON/OFF	Device able to turn on
   Device Locks (iCloud/ Personal Accounts/ Passcode)	Device able to log out/ remove iCloud/ any personal account/ passcode
   Screen Glass	Will be acceptable as long as there are no chip or cracked screen
   Back & Side Cover	Heavy scratches & small dents are acceptable as long as there are no cracks
   LCD Not Working/ Dead Pixels	Screen shows watermark, black spot, white spot when brightness is adjusted to max and on a white background, it will not be eligible for device return
   Cracked Screen/ Cover	Cracked/ chipped screen or cover it will not be eligible for device return
   Buttons Functionality	Buttons are responsive and fully functional
   Battery Defect	Battery % below 50% will not be acceptable
   Fingerprint/ Face ID Defect	Fingerprint & Face ID can be detected upon unlocking the device
   Camera Defect	Camera able to focus and take a photo
   Liquid Damage	LCD screen doesn’t show traces of watermark or sim tray's liquid indicator is not damped
   Speaker/ Microphone Defect	(Automated test in app) Speaker able to produce sound & Mic able to pick up the sound

5. The Product registered for iPhone for Life program must be returned in good condition and functioning properly. Trade-in prices may vary depending on the extent of damage to the returned Product.
6. Service on the mobile number registered for iPhone for Life program must be active in the name of the Eligible Cardholder at the 1O1O at the time of the Product returned for trade in.
7. The Product Return Option is non-transferrable and shall only be exercised by the Cardholder who signed up for iPhone for Life and purchased the Product from the us with the Eligible Card.
8. In the event where the original Product is swapped by Apple Authorized Repair Centre (e.g. warranty claim) or Restart Service, document prove showing the swap shall be provided to us for exercising the Product Return Option.
9. The charger and accessories are not required upon returning of the Product.
10. Customers shall ensure that all personal data is transferred out and SIM card removed from the returned Product prior to exercising the Product Return Option. These shall be deemed lost and cannot be recovered once the Product is returned and we shall not be held liable for erasure of any personal data remained in the returned Product.
11. The title and ownership of the Product shall be transferred to us upon the Product return and payment of the Buy-Back Value by us.

iPhone for Life Trade-in Service (this “Trade-in Service”) Terms and conditions

1. This Trade-in Service is valid from 24 September 2021 until further notice on our official website (https://1010.com.hk/en/iphone_for_life_hangsengbank) (the “Promotion Period”).
2. To be eligible for this Trade-in Service,
   1. Your trade-in device must be a designated iPhone device purchased from 1O1O Center (except online store) by you under the iPhone for Life Installment Plan (the “Installment Plan”) within the Promotion Period (the “Eligible Device”); 
   2. You must fully comply with our Product Return Terms and Conditions https://1010.com.hk/en/iphone_for_life_hangsengbank and these terms and conditions;
   3. Eligible Device must meet all and the Device Acceptance Criteria and any other criteria as determined by us from time to time in its sole discretion. For details, please visit https://1010.com.hk/en/iphone_for_life_hangsengbank; and
   4. Trade in Machine must not be altered in any way.
   5. You must return the Eligible Device to designated 1O1O Center within 25 days after the 24th month from transaction date of the Installment Plan.
3. If your Eligible Device meets all the requirements set out in Clause (ii) above as determined by us at our absolute discretion, we will provide you a trade-in price up to 25% of the handset price plus prepayment of your Eligible Device prevailing at time of your purchase.  The actual trade-in price will depend on the condition of your Eligible Device as determined by us in our absolute discretion. We reserve the right to refuse to provide this Trade-in Service to you if the devices that do not comply with.
4. Before you return your Eligible Device, you are responsible to ensure all data of your Eligible Device have been permanently erased. We will not be responsible for any loss, retrieval, restoration or transference of personal data from Eligible Device being traded in.
5. Once your Eligible Device is traded in, it cannot be reclaimed.
6. The Installment Plan is provided to you by Hang Seng Bank Limited (「Hang Seng」). We are not the supplier of the Installment Plan, and make no representation or guarantee as to the quality of the Installment Plan and any other goods and services provided by Hang Seng.  In case of any enquiry or dispute about the Installment Plan, please contact Hang Seng directly on hangseng.com/spend8.
7. You will be responsible for any and all remaining payments under the Installment Plan. 
8. The General Terms and Conditions of 1O1O apply (https://www.1010.com.hk/terms_and_conditions) to the relationship between 1O1O and you in respect of this Trade-in Service.
9. We reserve the right to change or terminate this Trade-in Service, or its terms and conditions at any time without prior notice.  In the event of dispute, our decision shall be final.
10. In the event of inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.

The iPhone for Life trade-in service is only applicable to designated stores. For designated stores, please refer to the following website https://www.1010.com.hk/en/contactus , the company reserves the right to change the list of stores at any time without prior notice.

^§ These service plans include 150GB or 300GB of monthly local data with thereafter maximum uplink and downlink speeds for data access of 2Mbps and 3Mbps respectively. When customer's monthly usage reaches the speed limit execution, customer will receive a SMS notification. Actual speeds experienced will be considerably less than the network specifications suggest and will be affected by Internet conditions, server speeds, network conditions, coverage, location, device used, hardware, software, usage levels and other factors.

^α “1O1O 5G Service Plan X Netflix” (the “Service”) is applicable only to 1O1O customers subscribing to “1O1O 5G Service Plan X Netflix (50GB/100GB)” mobile service and data plans. Contract period in respect of the Service is 24 or 36 months. Please go to https://www.1010.com.hk/en/netflix for service details and Terms & Conditions.

^β Now E Pack comprises Now News, Now Sports Prime, Viu Premium and ViuTV. The service is applicable only to 1O1O customers subscribing to “1O1O 5G Service Plan x Netflix (50GB/100GB)” mobile service and data plans. The contract period is 24 or 36 months. For Terms & Conditions, please go to https://www.1010.com.hk/en/netflix.

⁺ These service plans include 500GB monthly local data with no speed limit after the 500GB local data has been consumed. You will be allocated with less network resources for access subject to the prevailing network conditions and your service experiences may be affected. The actual speed that customers experience will be considerably less than the network specifications and will be affected by internet conditions, server speeds, network conditions, coverage, locations, the device used, hardware, software, usage levels and other factors.

This service plan uses 5G spectrum, which is only available for designated locations with the use of compatible devices. In areas outside of our 5G coverage, you will be provided with a 3G and/or 4G Mobile Service. selected 5G service plans, your basic and top up entitlement support tethering and peer-to-peer (P2P) functions (such as Bit-Torrent). For customers with multiple or additional sim cards, only one sim card can support tethering and peer-to-peer (P2P) functions at a time. Any breach of these restrictions may lead to suspension of your service or additional charges by us.

Photos for reference only. Unless otherwise specified, this offer cannot be used in conjunction with any other promotional offer or discount. In case of dispute, the decision of CSL Mobile Limited shall be final and binding.