id,product_id,feature_key,feature_value,note,source_page
ek_rueggisberg:festhypothek:pf:atom_275_member,ek_rueggisberg:festhypothek,pricing_condition,Atom #275 9th instance — Bernese cooperative founded 1835,"Ersparniskasse Rueggisberg Genossenschaft, founded 1835 — third-oldest atom #275 cohort member after EKSH (1817) and CMV (1816). Two-branch cooperative (Rueggisberg + Zimmerwald). Sub-pattern 3c+: publishes savings rates on website + complete fees PDF + mortgage rates ""auf Anfrage"". Similar shape to Bank EEK (3c) but with richer fees PDF. Atom #275 cohort now spans 9 instances across 5+ canton-regions, 4+ sub-patterns, 4 corporate forms (regional_bank AG, Genossenschaft, AG mutual, Clientis federation member).",