id,product_id,feature_key,feature_value,note,source_page
ek_rueggisberg:sparkonto:pf:nicht_kuendigungs_kommission,ek_rueggisberg:sparkonto,pricing_condition,"Published ""Nicht-Kuendigungs-Kommission"" 2% penalty on notice-period violations","Rare published explicit penalty: 2% of the over-limit withdrawal amount if customer exceeds the notice period (CHF 20k/Monat fuer Sparkonto). Most cohort members bury this in T&Cs; EKR publishes it openly. Combined with the rebuke-friendly slogan ""Gnietig?"" this is a consciously transparent cost-stance.",