Browsing AT&T's website, I came across the $325 ETF. As someone who has purchased the new iPhone on launch day the past two years, at regular price, I was a bit alarmed I was having to pay $549, 4G plans and all, for this phone. But of course, I'm not mad. I am just curious about a certain thing: if I were to pay the the ETF (I'd be paying $225), would I be able to get the iPhone 5 at regular price then? Or, would I still be paying it the early upgrade cost?