id,product_id,feature_key,feature_value,note,source_page
juliusbaer:vermoegensverwaltung:pf:finsa_optout,juliusbaer:vermoegensverwaltung,pricing_condition,FINSA Art. 31 professional-client opt-out → tailored pricing posture,Julius Bär Swiss entity uses the FINSA professional-client opt-out (Art. 31 FinSA) to negotiate fees per relationship rather than publish a retail schedule. Same posture as Pictet (no products loaded) and classical EFG-CH (PR #84). Three-instance threshold for the CH UHNW classical cohort.,
juliusbaer:vermoegensverwaltung:pf:lu_sibling,juliusbaer:vermoegensverwaltung,pricing_condition,Bank Julius Baer Europe S.A. (Luxembourg) publishes a schedule; this Swiss entity does NOT,"Cross-jurisdiction parallel to atom #273 (EFG-CH vs EFG-LI / efg_bve PR #85). The Luxembourg subsidiary, Bank Julius Baer Europe S.A., publishes a ""Schedule of Prices and Services — Banking and Custody"" PDF (FOR CLIENTS BOOKED IN LUXEMBOURG ONLY, as of June 2025). The Swiss entity publishes no equivalent. EU-jurisdiction MiFID II Article 24(4) drives the LU disclosure; FINSA Art. 31 permits the Swiss opacity. Future PR could load the LU entity as juliusbaer_lu (country=LU) following the efg_bve precedent.",