id,product_id,feature_key,feature_value,note,source_page
bil:wealth_management:pf:finsa_optout,bil:wealth_management,pricing_condition,FINSA Art. 31 professional-client opt-out → tailored posture,"Seventh instance of the CH UHNW classical cohort. After Pictet, EFG, Julius Bär, Lombard Odier, JPMorgan Suisse (5 tailored), Reichmuth (1 counter-example), BIL Suisse is the 6th tailored instance and 7th overall cohort member. Adds Luxembourg-parent-CH-subsidiary as a new governance form.",
bil:wealth_management:pf:lu_parent_publishes,bil:wealth_management,pricing_condition,LU parent (BIL SA Luxembourg) publishes a comprehensive schedule; Swiss entity does NOT,"Fourth cross-jurisdiction parallel (atom #273). The LU parent publishes a 22-page ""Extrait de la tarification générale"" (Stand 1er mai 2026) under MiFID II / CSSF supervision. The Swiss subsidiary BIL Suisse SA does not. Joins EFG-CH/efg_bve, Julius Bär CH/LU, JPMorgan CH/DE as the 4th independent CH/EU parallel. Same shape every time: Swiss parent tailored, EU sibling published.",
bil:wealth_management:pf:luxembourg_parent_governance,bil:wealth_management,pricing_condition,Luxembourg-parent-CH-subsidiary governance form,"BIL Suisse SA is a Swiss-FINMA-licensed subsidiary of Banque Internationale à Luxembourg SA (LU parent, RCS Luxembourg B-6307). Sixth governance form in the atom #274 cohort: Swiss partnership × 2, Swiss listed × 1, foreign-controlled-listed-BR × 1, US-foreign-controlled-subsidiary × 1, LU-parent-CH-subsidiary × 1 (this entity). Same is_tailored=1 posture across all six.",