Is this iPhone unlocked, even though it says AT&T?

Also, can this iPhone be used with a T-Mobile SIM card? http://www.amazon.com/...005SSAXSI/

Well no. It says it is for AT&T.

& further down the page it is asked if it is unlocked & the seller states:
"Nope, was locked to ATT"

It clearly states that it's not unlocked.

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