OK, the steps are:
Start with no layers
Select New Synth Layer
Select FluidSynth
Select MIDI Ch 1
Select soundfont
Select preset
** At control screen - check- we have reverb @64, and it changes by adjusting reverb knob
Short Click Layer
Bold Click select
Select Add Audio FX
Select 3 Band EQ
** At control screen - check - we have no reverb despite reverb setting @ 64
3 Band EQ1 layer - all settings on zero
3 Band EQ 2 layer - low-mid freq @220, Mid-High freq @1950
That’s it.
Gonzo
PS… if I then remove the Audio FX the reverb returns