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Do I need to pay the early termination fee if I pay off my phone early

Hi guys. I am thinking to switch from Verizon to T-Mobile or AT&T. However, there are 21 remaining installment I need to pay for my Iphone 11 Pro Max. I am ok with pay off my phone right now. If I do so, Do I still need to pay the so-called early termination fee? 

Thank You!