id,product_id,feature_key,feature_value,note,source_page
clientis_oberaargau:festhypothek:pf:atom_275_member,clientis_oberaargau:festhypothek,pricing_condition,Atom #275 8th instance — first Clientis federation member,"Bank Oberaargau publishes savings rates + complete Preise und Gebuehren PDF + Wertschriftengeschaeft PDF, but mortgage rates show ""auf Anfrage"" (Fest, Variable, SARON all on-request). Combined sub-pattern: 3a-like coverage on accounts/cards/securities + 3c-like gating on mortgages. 8th atom #275 instance — and FIRST from the Clientis federation, refining the cohort (cohort now spans regional_bank AG + Genossenschaft + AG mutual + cooperative_bank federation member).",