Got to your nearest ATT store.
Get the phone $199 with 2 year contract.After 30 Days cancel the service and pay ETF.
Your cost $199 + $175(ETF) + $35 (Activation) + $70(First month Service) + Tax $15 == $494
You can now unlock and use it with T-Mobile.. No 3G on T-mobile, but i need the GPS only.
My 3G iPhone is on its way July 11th.
Update:- Total will be $494+$200 (iPhone subsidized cost) = $694