11/15/2017UPDATE:Shortly after leaving a good review, the phone started to give me problems. After troubleshooting it was determined to be a software issue. Called HTC several times and they kept promising to help me update the software, but only after trying this or that setting for 24 hours. Then I am informed that I have to contact HTC Singapore, so I do. No response. I have had a software issue with another phone before, and even though the update seemed to fix it, the correction was short-lived. After a few months it was misbehaving again. I was very close to replacing it with another HTC because I really did like it, but after getting the run-around I ended up returning it. Amazon was great about my refund. Not saying I'll NEVER purchase another HTC, but life is too short.I got really tired of paying for Samsung phones, which are very nice but do give you problems just like anything else. So after researching several phones in this price range, I opted for this one. I was wary at first because of the price, but I must say that I am very happy with this phone!Pros: big screen, great display, fingerprint detector is conveniently on back unlike Samsung G Note 5 which is on home button (why?), 4 GB RAM/64 GB ROM with without robbing you, screen turns on easily with simple swipe, dual SIM or 1 SIM and SD card, truly unlocked and not crammed with useless bloatware, really really good signal strength both wifi and provider (H2O which uses ATT) but because it's international it doesn't say 4GLTE rather an H and a 1(this doesn't bother me because like I said reception is excellent!), very good battery life even with heavy use, light weight, Gorilla Glass, lots of flexibility to customize display etc, sound is good-I can hear calls and notifications from other rooms and while in my purse, sound quality with earphones is excellent!, earphone jack is on top, speaker is on bottom instead of back, sounds are loud enough no problem there, call quality is very good, EXCELLENT cameras - I mean it - this phone takes beautiful pictures.Cons: back/sides of phone are plastic which really doesn't bother me because I like the gold trim and my phone stays in a clear soft case (they had to cut corners somewhere to sell this phone for this price), a few features less than higher end phones for example no quick charge, no gallery which is no problem there are plenty of apps that will hold and organize your photos (I recommend QuickPic, good app), terrible keyboard so I downloaded the google keyboard which solved that, fewer folder customization options (I recommend Nova Launcher-great app for customization) and other minor functions but again no biggie because with this much storage you can download whatever you want and customize this phone which I really like!, no mfr warranty but there are others like Square Trade etc., Android 6 (I searched the web for info about upgrade to Nougat 7 but am not finding a definitive yes or no answer or date)So really the pros greatly outweigh the cons. And my phone arrived nicely packaged in a nice box with good HTC earphones and a USA charger. Yes it does have NFC.Overall, in my opinion this phone is an excellent choice, even without a Nougat update. As someone who usually uses more expensive phones, it's almost a relief knowing that I'm not carrying around a phone that costs several hundred dollars and feel like I have to be extra careful because it would be too expensive to replace if something were to happen to it. It's a great phone with fantastic cameras. I would recommend this phone to a friend, and have recommended it to family members. Good luck.Pictures attached, I used the camera in Pro mode with all settings on auto. The pics are sharp and clear.