Pretty sure that ETF is prorated over the course of a contracts life. There was some legal issues that forced carriers to change their stance on ETF ( here in the states ). For AT&T's previous $175 ETF, it would go down $5 / month of completed service, so were you to cancel on your last month, you'd have a fee of $55 instead of $175. I found a reference that claims AT&T will reduce the $325 ETF by $10 / month of completed service, but that still leaves you with an $85 ETF if you cancel in your last month.
So the average across all contracts will be about $175-, or about the amount of the subsidy.
Last year I paid $499- but my contract period reset. So, I am only a year in. Do not expect much help this year and the contract will reset again. Welcome to AT&T.
This happened to my brother in law. He paid the unsubsidized price...but his contract reset, so he would still have to wait two years (or so) till he could upgrade.
