id,product_id,feature_key,feature_value,note,source_page
clientis_oberaargau:privatkonto:pf:atom_271_escape,clientis_oberaargau:privatkonto,pricing_condition,Atom #271 escape — Clientis member with SERVER-RENDERED savings rates,"All prior Clientis members loaded (clientis_aareland, oberuzwil, thal, toggenburg, thur, oftringen, eb_entlebucher, ce_courtelary) showed the canonical atom #271 JS-render gate — no concrete rates captured by the standard crawl. Bank Oberaargau is the first to break out: the bankoberaargau.clientis.ch subdomain renders rates in static HTML (or with a JS wait that the crawler implemented for this member). 13 savings/zahl/vorsorge rates captured concrete from rendered MD.",
clientis_oberaargau:privatkonto:pf:foreign_resident_surcharge,clientis_oberaargau:privatkonto,pricing_condition,Explicit CHF 900/year surcharge for non-Swiss-resident clients,Auslandkunden Jahresgebuehr CHF 900. Reflects FATCA/AEoI/KYC compliance overhead a small cooperative bank can no longer absorb. Pattern observed at multiple atom #275 cohort members (CEN waives custody for own bonds; Bank Oberaargau adds Auslandkunden surcharge) — both are price-discriminatory moves justifying operational complexity.,