{"database": "bankproducts", "table": "product_feature", "rows": [["pcb:wm:pf:atom_274_editorial_subpattern", "pcb:wealth_management", "pricing_condition", "Atom #274 23rd-or-next-numbered instance \u2014 Zurich UHNW with editorial-letter sub-pattern", "PCB joins the atom #274 tailored cohort but represents a distinct sub-pattern: macro/thematic editorial-letter Zurich UHNW, as opposed to the portfolio-construction-focused Geneva/Basel UHNW archetype (Pictet/Lombard Odier/UBP/Mirabaud/Reichmuth/Maerki/Baumann). Distinguished by quarterly \"Private Client Letter\" thought leadership product authored personally by CEO and Chairman (rather than research-team-produced market commentary). Bank-side tariffs negotiated per family-office mandate under FINSA Art. 31 opt-out. No affiliated 3a/pension foundation observed, so atom #292 regulatory-bifurcation posture does not apply (unlike Scobag).", null]], "columns": ["id", "product_id", "feature_key", "feature_value", "note", "source_page"], "primary_keys": ["id"], "primary_key_values": ["pcb:wm:pf:atom_274_editorial_subpattern"], "units": {}, "query_ms": 7.802289999972345, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}