Bank A and B is "user" banks...the previous user has erased all sound in those banks, just go to Access homepage and download presets again or make you own sounds and store there. I have made my own 3 banks...1 of them have I "burned/flashed" to bank C.
Same with Multi, if none created there are none...
The percussive I think you're talking about some kind of glitch/noise...this problem is veeeery common on Virus synths which I think is very sad, hard to use prg-change in live situations.
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