b. The certainty
Your friend will definitely get a cut of your investment as commission. Mind you, this is a 100% gonna happen. And god knows how many % of your investment is going be end up in the sales team hierarchy pocket. Well, from your statement, probably not lower than 35% goes into their pocket.

c. Yea, Right?
If everything is as good and as firm as what they say. Why don't they put any minimal investment return/ dividend on the Terms and Condition? They sell you all the sweet talk, in the end what puts in writing/agreement is the protection towards themselves.

You want to get back 100%? Do you think the entire team is going to give you back what they have as commissions? Think logically, if the bank is gonna pay you back, that means the bank gonna have to collect back from whoever that got the commission (might not be even working in the bank anymore), which is highly unlikely. They don't have to worry anyway, since you already signed the terms and condition. Read it through and get through your denial phase.