To me this interesting. In order to avoid penalty just buy the sim card without router/modem. There are so many available router in the market with different range of price. The only thing to take note that the router must support band 40 or support unifi. Penalty should be according to balance left period of contract stipulate and not from beginning. I like to hear the way TM calculate this penalty so that the customer do have some right in the term of fair contract.