How to unlock iphone4?

I am very confused about how to unlock an iphone 4 to use with T-Mobile. First can I unlock iphone without jail breaking it? Can somebody please explain in great detail how to unlock iphone 4 to use with T-Mobile? I just bought the iphone 4 for full retail price. What do I do next, like where do i get the unlock software? How do I unlock it? And how do i just make it work? Please serious answers will be appreciated.

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