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Not quite Aleycat. AMP used to allow advisers to "lease" a $50K recurring revenue client base at $27K pa for a maximum of 4 years. The adviser then had the option to buy it outright for $200K (4 times) or hand it back.

This program had a very poor conversion rate into eventual purchases however, because it gave the adviser 4 years of well informed due diligence. Even when advisers were allowed to swap out some of the dross in the first year, the lack of value soon became apparent to many. So AMP canned the leasing option, and switched to coercing naïve newbies into upfront purchases at 4 times.