id,product_id,feature_key,feature_value,note,source_page
ce_riviera:hypotheque:proximity_decision,ce_riviera:hypotheque,pricing_condition,Decisions de credit prises localement (siege Vevey),"Brochure p.4: ""Les decisions se prennent a proximite du client, au siege de la banque a Vevey. Parfaite connaissance du marche, rapidite et prise en compte des contraintes individuelles font la difference"". Brand voice: local-decision-making as competitive advantage vs cantonal/UBS centralisation.",
ce_riviera:hypotheque:rates_on_request,ce_riviera:hypotheque,pricing_condition,"Taux hypothecaires ""communiques sur demande""","Brochure Prestations 2024 p.7: ""Les taux d'interets sont communiques sur demande"". Atom #275 partial — CER publishes a comprehensive tariff schedule (account fees, card fees, courtage) BUT mortgage interest rates remain on-request only. Same sub-pattern as Bank Gantrisch and CMV mortgages.",