id,product_id,feature_key,feature_value,note,source_page
avera:travel_card:pf:white_label_pricing,avera:travel_card,pricing_condition,White-label Swiss Bankers Travel card; same Konditionen as direct,"Distributor-pricing footnote: Avera-issued Travel card has SAME pricing as direct-to-consumer Swiss Bankers Travel (1.5% load, free annual). Cross-reference: atom #266 — distributor-pricing variation exists but Avera matches the direct rates exactly.",2