If you end your agreement **before 24th February 2021**

1. We add together all outstanding monthly charges for the remainder of your contract, taking into account any discounts you might receive.

2. We then take off VAT at the current rate.

3. To get the final fee, we also take off 2% for early receipt of payment (as we’ll receive it in one lump sum, instead of staggered over the remaining months on your contract). This doesn't apply to business customers.

**Show me an example**

Your plan costs £45 a month, and you receive a £10 monthly discount. This means you pay £35 a month in total.

You have 6 months left until your plan ends, and you want to leave.

- To work out your outstanding charges for these remaining 6 months, we multiply what you pay each month (£35) by 6 = £210
- We then subtract VAT (20%) from that £210 = £168
- Finally, we take 2% from that £168 to get your final ETF = £164.64

If you end your agreement **on or after 24th February 2021**

We'll calculate your ETF in mostly the same way – the only difference is we won't take off VAT at the current rate, due to a HMRC change.

**Show me an example**

Your plan costs £45 a month, and you receive a £10 monthly discount. This means you pay £35 a month in total.

You have 6 months left until your plan ends, and you want to leave.

- To work out your outstanding charges for these remaining 6 months, we multiply what you pay each month (£35) by 6 = £210
- Then we take 2% from that £210 to get your final ETF = £205.80