id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
pcb:wm:tailored,pcb:wealth_management,pcb,mgmt_fee,PCB Family-Office Mandat — Honorar nach Mandat,,CHF,per_annum_pct,,,"UHNW classical private bank — tariffs negotiated per mandate. PCB publishes thematic ""PCB Letter"" for clients but no public price list. Fee-model shape IS disclosed on the website (""transparent, nicht transaktionsbezogen, fixe + optional erfolgsabhaengige Gebuehren"") but no concrete amounts. Atom #274 23rd-or-next-numbered instance, editorial-letter sub-pattern. FINSA Art. 31 opt-out posture.",,2024-10-01,pro