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Bought above from a bank after recomendation from the RM. 2,3 months down the road , keep receiving calls from the first RM and others to sell asthey claim am already making profit and is time to sell and buy into other product. I felt the sales commissiion payable to the first RM is not able to recover from the profit and uf i sell, have to pay commision again. At the end , there us no profit gain. Also, when check with them on the commission percent, different RM offer different rate from 4 to 2.5. Anybody encounter same?