It is very likely that the 2.0 software will be unlockable (and very likely that it has already been unlocked) but using it on a network other than AT&T may be impossible as T-Mobile's 3G network operates on a different frequency than the iPhone allows. Also, purchasing and then unlocking to resell wouldn't prove economically savvy as it did with v1 because both AT&T and Apple are going to require in store activation.
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-Philip
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