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Smartphone Finance Plan: Credit approval required. Zero down payment and low monthly payments are available to our most creditworthy customers; amounts for others will vary. Monthly payments exclude taxes. Upon completion of Smartphone Finance term, customer will own the phone. Must remain on qualifying service plan and in good standing for duration of plan. Early termination of Smartphone Finance/service: If customer leaves PTCI before payments are completed on this plan, customer must pay for the total cost of the phone (this is the phone’s cost minus trade-in at time of purchase), MINUS total of all monthly payments already made.