It depends what you have with us.

**Mobile account**

### If you ended your agreement before 24 February 2021:

- We add together all outstanding monthly charges for the remainder of your contract, taking into account any discounts you might receive.
- We then take off VAT at the current rate.
- 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.

**For 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 24 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.

**For 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

**Broadband account**

### If you end your agreement on or after 24 February 2021:

- We add together all outstanding monthly charges for the remainder of your contract, taking into account any discounts you might receive.
- We then take off VAT at the current rate.
- Next, we subtract any savings we make as a result of you leaving early, such as payments to suppliers. We also take off 2% if we receive your final payment early (as we’ll receive it in one lump sum, instead of staggered over the remaining months on your contract).
- Finally, we add on VAT at the current rate.

**For example:**

Your plan costs £25 a month. 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 (£25) by 6 = £150
- We then subtract VAT (20%) from that £150 = £125
- We take off any cost savings (for example, £14 a month, multiplied by six = £84), leaving £41. If applicable, we apply a 2% discount for receiving your payment early, leaving £40.59
- Finally, we add on VAT at the current rate. The Early Termination Fee would be £48.71