1O1O / csl / Club SIM X Club Care - Complimentary Club Care TravelCare Insurance for Selected Customers Promotion

During the Promotion Period, Eligible Customers who successfully purchase a Purchased Designated Roaming Service would enjoy a complimentary Club Care TravelCare Insurance (this "Promotion"), arranged and brought to the Eligible Customers directly by Club Care. Upon successful purchase of a Purchased Designated Roaming Service (as defined below) by Eligible Customers, the Protection Plan (as defined below) will cover the Eligible Customers' trips which fall within the period of up to 30 consecutive days starting from the Activation Date (as defined below) when Eligible Customers first connect to 1O1O/csl/Club SIM data roaming network at applicable locations under Purchased Designated Roaming Service. Relevant terms and conditions apply.

Terms and Conditions

The Promotion is valid from 26 September 2025 to 31 December 2025, both dates inclusive ("Promotion Period").

To become an eligible customer ("Eligible Customer") for the offer under this Promotion (the "Offer"), you must:

a.	be aged between 18 to 70, a holder of a valid Hong Kong identity card; AND
b.	successfully purchase one of the following roaming services within the Promotion Period:
	(i) a designated 1O1O/csl/ClubSIM HK$88/4GB, HK$128/6GB or HK$198/11GB Mainland China and Macau 5G volume data roaming pass package; or (ii) a designated 1O1O/csl/ClubSIM HK$198/7GB or HK$288/11GB Major destinations in APAC 5G volume data roaming pass package (Applicable destinations include Australia, Cambodia, India, Indonesia, Japan, Malaysia, New Zealand, the Philippines, Singapore, South Korea, Taiwan, Thailand and Vietnam); or (iii) a designated 1O1O/csl/ClubSIM HK$288/4GB, HK$338/6GB or HK$438/11GB Major destinations in Europe & United States 5G volume data roaming pass package (Applicable destinations include Austria, Belgium, Canada, Denmark, France, Finland, Germany, Gibraltar, Guam, Guernsey, Hawaii, Ireland, Italy, Jersey, Liechtenstein, Luxembourg, Netherlands, Norway, Portugal, Puerto Rico, Rota, Saipan, Spain, State of Vatican City, Sweden, Switzerland, Tinian, United Kingdom, United States and US Virgin Islands) (collectively, “Purchased Designated Roaming Service”) Terms and Conditions apply. For details, please refer to https://www.1010.com.hk/data_roaming_day_pass and https://www.hkcsl.com/en/data-roaming-pass/?lang=en#volune-date-roaming.

The Purchased Designated Roaming Service is offered by CSL Mobile Limited ("CSL") and is subject to the relevant terms and conditions. For details, please visit https://1010.com.hk/home and https://www.hkcsl.com/en/.

The complimentary Club Care TravelCare Insurance (the "Protection Plan") for selected customers promotion is arranged and brought to you directly by Club Care and is subject to the relevant terms and conditions of Club Care. For details, please refer to https://www.hktia.com.hk/en/individual/travel/travelcare_insurance. The Protection Plan is underwritten and provided by MSIG Insurance (Hong Kong) Limited ("MSIG") and is distributed and arranged by Club Care. Club Care is a service brand operated by HKT Financial Services (IA) Limited ("HKTIA"). HKTIA, being a registered licensed insurance agency under the Insurance Authority of Hong Kong (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for MSIG to distribute and arrange insurance products and services. For details of the Protection Plan, please refer to the 'Complimentary Club Care TravelCare Insurance Terms and Conditions' section below and Club Care's website at https://www.hktia.com.hk/en/individual/travel/travelcare_insurance.

CSL is the policyholder of the Protection Plan. CSL and all affiliates of such entity (other than HKTIA) are not an insurance company, agency, broker or intermediary and are not arranging for any contract of insurance or carrying on any regulated activities (as defined under the Insurance Ordinance) in connection with the Protection Plan, any insurance related products or services under the Promotion. CSL and all affiliates of such entity (other than HKTIA) are not the supplier, distributor or provider of the Protection Plan, any insurance related products or services or the Promotion, do not represent Club Care/HKTIA or MSIG, make no representations and warranties and accept no liability for any matters arising from, or in relation to, the same. For any enquiries in relation to the Protection Plan and the Promotion, please contact Customer Service Hotline of Club Care at 8209 0098 directly.

Upon successful purchase of the Purchased Designated Roaming Service, the Eligible Customer will become an Insured Person ('Insured Person') under the Protection Plan.

Subject to the terms and conditions of the Policy Documents (as defined below) and any other relevant terms and conditions, when an Insured Person first connects to CSL data roaming network (with the same mobile number as the one used for the Purchased Designated Roaming Service) for the applicable location(s) under the Purchased Designated Roaming Service and such activation occurs before the expiry of the 3-month validity period of the Purchased Designated Roaming Service ("Activation Date") designated by CSL, the Protection Plan will cover the Insured Person's trips which fall within a period of up to 30 consecutive days starting from the Activation Date. For details of the Protection Plan and supporting documents for claims processing, please refer to the 'Complimentary Club Care TravelCare Insurance Terms and Conditions' section below and Club Care's website at https://www.hktia.com.hk/en/individual/travel/travelcare_insurance.

These Promotion Terms and Conditions are not an insurance policy or a contract of insurance. All information in respect of the Protection Plans is provided by MSIG. The Protection Plans are subject to the respective policy provisions, the product brochure, and the related terms and conditions (the "Policy Documents"). The abovementioned information is for reference only and does not contain the full terms and conditions. In the event of any inconsistencies between these Terms and Conditions and the Policy Documents, the Policy Documents will prevail.

The information of the Protection Plan in these terms and conditions gives only an outline of the terms and conditions of the insurance cover and does not contain the full terms and conditions of the relevant insurance product. These terms and conditions are not an offer for subscription of any insurance product. For full terms and conditions, details, risk disclosures and exclusions of the Protection Plan, please refer to relevant Policy Documents, Club Care's website at https://www.hktia.com.hk/en/individual/travel/travelcare_insurance or call Customer Service Hotline of Club Care at 8209 0098 for more details.

10.

Any promotional offer(s) or material(s) should be read in conjunction with the relevant Policy Documents. Before application, please confirm you understand the Protection Plan's features and that it fits your need(s). Customers should not apply for the relevant insurance product(s) solely on the basis of any promotional offer(s) or material(s) which do not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, risk disclosures and exclusions of the Protection Plan, please refer to relevant Policy Documents.

11.

MSIG reserves the right to make the final right of approval and decision of all matters relating to the Protection Plan and takes full responsibility for all related coverage and claims matters. Any disputes over the terms of the Protection Plan shall be resolved directly between the Insured Person and MSIG. HKTIA's role is limited to distributing and arranging certain insurance policies of MSIG (including the Protection Plan) and HKTIA shall not be responsible for any matters in relation to the provision of such insurance products. The Protection Plan is the product and obligation of MSIG and not of HKTIA.

12.

HKTIA and all affiliates of such entity (other than CSL) are not the provider, operator or manufacturer of the Purchased Designated Roaming Service. HKTIA and all affiliates of such entity (other than CSL) make no representation or guarantee to any aspect of the Purchased Designated Roaming Service (including but not limited to the service quality) and shall not in any way be liable to any matters in relation to the Purchased Designated Roaming Service. No compensation shall be forthcoming under any circumstances. For enquiries about the Purchased Designated Roaming Service, please contact CSL directly.

13.

The Offer is subject to availability and will be provided on a first-come-first-served basis while stocks last.

14.

Unless otherwise stated, the Offer cannot be used in conjunction with any other promotional or discount offer and are non-transferable or exchangeable for cash or other products.

15.

The General Terms and Conditions of CSL apply (https://www.hkcsl.com/en/service-terms-and-conditions/ or https://www.1010.com.hk/terms_and_conditions).

16.

HKTIA / Club Care, CSL and MSIG reserve(s) the right to amend, suspend or terminate the Promotion and amend the relevant terms and conditions at their sole discretion at any time without prior notice. All decisions made by HKTIA / Club Care, CSL and MSIG shall be final and binding. CSL reserves the right to amend the relevant terms and conditions governing the use of the Purchased Designated Roaming Service at any time without notice.

17.

In the event of discrepancy or inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail. In the event of dispute in relation to this Promotion or the use of the Purchased Designated Roaming Service, CSL, HKTIA and MSIG's decisions shall be final.

Complimentary Club Care TravelCare Insurance Terms and Conditions

"Complimentary Club Care TravelCare Insurance" Promotion.

For selected customers and/or members of HKTIA and its affiliated companies (including but not limited to CSL Mobile Limited) only.

Terms and Conditions:

The Complimentary "Club Care TravelCare Insurance" for selected customers promotion (the "Promotion") is arranged and brought to you directly by Club Care. The "Club Care TravelCare Insurance" under this Promotion (the "Protection Plan") is underwritten and provided by MSIG Insurance (Hong Kong) Limited ("MSIG") and is distributed and arranged by Club Care. Club Care is a service brand operated by HKT Financial Services (IA) Limited ("HKTIA"). HKTIA, being a registered licensed insurance agency under the Insurance Authority of Hong Kong (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for MSIG to arrange for the Protection Plan and provide related services.

The promotion period starts from 00:00 of 26 September 2025 to 23:59 of 31 December 2025 (HKT) (both dates inclusive) ("Promotion Period").

Complimentary coverage of the relevant Protection Plan under the Promotion is only applicable to selected customers and/ or members of HKTIA and its affiliated companies (including but not limited to CSL Mobile Limited ("CSL") ) who satisfy the following conditions ("Eligible Customers"):

(i) purchase a roaming service designated by CSL ("Purchased Designated Roaming Service"), as a condition for enjoying complimentary coverage under the relevant Protection Plan, during the Promotion Period*; and

(ii) being an individual aged between 18 and 70, a holder of a valid Hong Kong identity card.
(together, the "Eligibility Criteria")

* Terms and conditions apply on the relevant Purchased Designated Roaming Service. Please refer to the relevant Purchased Designated Roaming Service terms and conditions and promotional terms and conditions of CSL in respect of the relevant service.

Upon successful purchase of the Purchased Designated Roaming Service, the Eligible Customer will become an Insured Person (“Insured Person”) under the Protection Plan.

Subject to the terms and conditions of the Policy Documents (as defined below) and any other relevant terms and conditions, when an Insured Person first connects to CSL data roaming network (with the same mobile number as the one used for the Purchased Designated Roaming Service) in applicable location(s) of Purchased Designated Roaming Service and such activation occurs before the expiry of the validity period of the Purchased Designated Roaming Service ("Activation Date") designated by CSL, the Protection Plan will cover the Insured Person's trips which fall within the period starting from the Activation Date to the earlier of (a) the 30^th day from the Activation Date or (b) the date that the Coverage Period (as defined below) expires ("Insured Trip(s)"). The first Insured Trip must originate from an immigration counter in the Hong Kong Special Administrative Region (HKSAR) to applicable location(s) of Purchased Designated Roaming Service. All subsequent Insured Trips within the relevant period must originate from an immigration counter in HKSAR to a place outside of the HKSAR.

When submitting a claim to MSIG, the Insured Person is required to provide designated supporting documents ("Supporting Document") satisfactory to MSIG for verification on identity and claim eligibility. For details, please visit Club Care's website at https://www.hktia.com.hk/doc/pdf/TravelCare_VP_FAQ.pdf .

If any Supporting Document is lost, leaked, inaccurate, unidentifiable or damaged by any reason, HKTIA will not be liable in any way if the customer suffer any loss as result. The Supporting Documents will not be re-issued under any circumstances. None of HKTIA, HKTIA's affiliated companies or MSIG shall be responsible for any accidental or unauthorised disclosure and use of the Supporting Documents by any unauthorised persons. None of HKTIA, HKTIA’s affiliated companies or MSIG will be liable or responsible for providing any compensation to any person in such circumstances.

The coverage period ("Coverage Period") of the relevant Protection Plan shall commence on the date of successful purchase of the Purchased Designated Roaming Service which is indicated in purchase record in designated App of CSL or confirmation SMS for a period of six months thereafter, subject to early termination upon the earliest occurrence of the following events:

(i) the Eligible Customer cancels, terminates or refunds the Purchased Designated Roaming Service;

(ii) when the Eligible Customer ceases to be a customer of CSL; or

(iii) any event of termination set out in the policy provision of the Protection Plan.

Each Eligible Customer can enjoy more than one Protection Plan with different Purchased Designated Roaming Service purchased. Subject to the Policy Documents, if the Insured Person is covered under more than one comprehensive travel insurance policies underwritten by the MSIG for the same trip, only the travel insurance policy with the greatest compensation will apply and benefits thereunder be payable.

10.

Unless otherwise specified, the Promotion and the Protection Plan cannot be refunded, resold, redeemed or exchanged for cash, cash equivalents or other products under any circumstances, nor used in conjunction with any other discount, promotion or offers.

11.

Notice of any claim by the Insured Person must be given to MSIG of any event giving rise or likely to give rise to a claim under this Protection Plan as soon as possible and in any case within 30 days of the happening of such an event. Insured Person must also tell MSIG if he/she knows of any writ, summons or prosecution against him/her-self and immediately send MSIG every letter or document which relates to a claim.

12.

In case of any discrepancies between the Chinese and English versions of these Promotion Terms and Conditions, the English version shall prevail.

Disclaimer:

The Promotion is arranged and brought to you directly by Club Care. The Protection Plan is underwritten and provided by MSIG and is distributed and arranged by Club Care. Club Care is a service brand operated by HKT Financial Services (IA) Limited ("HKTIA"). HKTIA, being a registered licensed insurance agency under the Insurance Authority of Hong Kong ("IA") (Licensed Insurance Agency License No.: FA2474), acts as an appointed licensed insurance agency for MSIG to distribute and arrange insurance products and services.

These Promotion Terms and Conditions are not an insurance policy or a contract of insurance. All information in respect of the Protection Plan is provided by MSIG. The Protection Plan is subject to related terms and conditions and respective policy provisions, the product brochure, and the related terms and conditions (the "Policy Documents"). The abovementioned information is for reference only and does not contain the full terms and conditions. In the event of any inconsistencies between these Terms and Conditions and the Policy Documents, the Policy Documents will prevail.

The information on the Protection Plan in these terms and conditions gives only an outline of the terms and conditions of the insurance cover and does not contain the full terms and conditions of the relevant insurance product. These terms and conditions are not an offer for subscription of any insurance product. For full terms and conditions, details and risk disclosures and exclusions of the Protection Plan, please refer to relevant Policy Documents; visit Club Care official website https://www.hktia.com.hk/ or call Customer Service Hotline at 8209 0098 for more details.

CSL Mobile Limited ("CSL") is the policyholder of the Protection Plan. CSL and all affiliates of such entities (other than HKTIA) are not an insurance company, agency, broker or intermediary and are not arranging for any contract of insurance or carrying on any regulated activities (as defined under the Insurance Ordinance) in connection with the Protection Plan, any insurance related products or services or the Promotion. CSL and all affiliates of such entities (other than HKTIA) are not the supplier, distributor or provider of the Protection Plan, any insurance related products or services or the Promotion, do not represent Club Care/HKTIA or MSIG, make no representations and warranties and accept no liability for any matters arising from, or in relation to, the same. For any enquiries in relation to the Protection Plan and the Promotion, please contact Customer Service Hotline of Club Care at 8209 0098 directly.

MSIG reserves the right to make the final decision in approving any claim applications for the Protection Plan and the Promotion and any disputes that may arise from such applications and the Promotion, and takes full responsibility for all related coverage and claim matters. Any disputes over the terms of this insurance plan shall be resolved directly between the insured person and MSIG. HKTIA's role is limited to distributing and arranging certain insurance policies of MSIG (including the Protection Plan) and HKTIA shall not be responsible for any matters in relation to the provision of such insurance products (including the Protection Plan). The Protection Plan is the product and obligation of MSIG and not of HKTIA.