I bought the phone and signed up for a new contract through Wirefly. I subsequently found out that my employer offers a 10% discount on Verizon. All Verizon requires is that I register my work email to my phone account. According to Wirefly, for 181 days I cannot change the rate plan to a lower monthly service rate or I will be charged a penalty. I am not changing the service plan I signed up for, Verizon will just be charging me less for the same service.