{"database": "bankproducts", "table": "product_feature", "rows": [["clientis_oberaargau:privatkonto:pf:foreign_resident_surcharge", "clientis_oberaargau:privatkonto", "pricing_condition", "Explicit CHF 900/year surcharge for non-Swiss-resident clients", "Auslandkunden Jahresgebuehr CHF 900. Reflects FATCA/AEoI/KYC compliance overhead a small cooperative bank can no longer absorb. Pattern observed at multiple atom #275 cohort members (CEN waives custody for own bonds; Bank Oberaargau adds Auslandkunden surcharge) \u2014 both are price-discriminatory moves justifying operational complexity.", null]], "columns": ["id", "product_id", "feature_key", "feature_value", "note", "source_page"], "primary_keys": ["id"], "primary_key_values": ["clientis_oberaargau:privatkonto:pf:foreign_resident_surcharge"], "units": {}, "query_ms": 1.0662009999578004, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}