id,product_id,feature_key,feature_value,note,source_page
biene:mitgliedersparkonto:pf:2pct_nichtkuendigungs_convention,biene:mitgliedersparkonto,pricing_condition,Nichtkuendigungskommission 2% — emerging Clientis-federation convention,"Biene Bank Mitgliedersparkonto specifies 2% on the over-limit withdrawal amount when notice period is violated. SAME 2% number appears at Ersparniskasse Rueggisberg (PR #127, non-Clientis cooperative). Suggests either Clientis-federation convention OR a wider Swiss-cooperative-bank standard. Worth tracking — if a third member shows 2% next, escalate to a named convention atom.",
biene:mitgliedersparkonto:pf:cooperative_loyalty,biene:mitgliedersparkonto,pricing_condition,Mitgliedersparkonto: 3rd Aktionaer/Mitglied loyalty-tier savings pattern,Loyalty-tier savings exclusively for Genossenschafter (cooperative members). Same shape as HBL Aktionaerssparkonto (0.500% bis CHF 250k) and SLF Aktionaer-Sparkonto (0.350% bis CHF 100k) — atoms in 3-instance cohort now. Worth flagging as a structural pattern across regional banks.,