I was wondering about opting out of the 20 month contract when your year came up. One site says you would have to pay the remainder of the contract to get a new phone.

Another says you could add the last 8 months on to the new contract. Either way it's full price.

One of the links says that the extra cost for the 8 months is about the same as their early termination fee anyway, they're just marketing it now to make it not look like a penalty.