id,product_id,feature_key,feature_value,note,source_page
slm:pf:atom_298_pack_tiered_cooperative,slm:bankpaket_light,pricing_condition,Atom #298 — pack-tiered retail banking observed in atom #275 cooperative (first in cohort),"SLM is the FIRST atom #275 cooperative Sparkasse in the dataset with explicit pack-tiered pricing (LIGHT CHF 8/Monat + COMFORT CHF 18/Monat). Same pattern as CA Next Bank (CA Simply / Start / Extra / First — atom #298), but adapted for cooperative-Sparkasse context. Pack-tiering was previously thought to be French-banking-origin (CA Next Bank); SLM shows the pattern is also adopted by German-Swiss cooperatives. Compare to: Migrosbank Banking-Paket, PostFinance Smart tiers.",
slm:pf:wealth_loyalty_discounts,slm:bankpaket_light,pricing_condition,Wealth + mortgage loyalty discounts on both packs,CHF 5/Monat (LIGHT) or CHF 9/Monat (COMFORT) ab CHF 10k Vermoegen oder Hypothek. KOSTENLOS ab CHF 100k Depot oder CHF 250k Kundenvermoegen oder CHF 500k Hypothek. Multi-tier loyalty system unusual within atom #275 (most peers flat-fee).,