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You are right, I did choose for the subsidized 2 year plan. However, before that, I had another smart phone that I was paying for using the device payment plan and I was still being charged the $40.00 access fee. I am not bashing Verizon, I am just tired of seeing every other cell company charge people less than Verizon. I have had Verizon, for about 9 out 11 years. I am just planning to take my business elsewhere when my contract is up.