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I am aware many have been waived but not all. It comes back to contract law. The client entered into a product with a contractual right o pay the exit fee if they leave before a certain date. In the case I am looking at currently (*I am not the listed adviser) it is an AMP product.

Go figure, this is to point out that we are not in a perfect world and sometimes to do the right thing you may have to do the unpopular thing!