Shorelight Cash — Gold Growth Cardholder Agreement

Program Overview

The Shorelight Cash Gold Growth Card represents the premium layer of the Shorelight ecosystem. It functions as a closed-loop stored-value and reward card tied to verified merchants, couriers, and business development partners. Cardholders may earn bonus SLC rewards on qualifying transactions and access early funding tools designed for growth within the Shorelight network.

Rates and Fees Table

Category	Gold Growth Card
Interest / APR	No interest — non-credit stored-value program.
Annual Program Fee	$20 (waived for verified business partners).
Load Method	BTC or SLC token deposit at market conversion rate (15-minute lock).
Minimum Initial Load	$250
Maximum Single Load	$5,000
Network / Miner Fees	User-paid at time of crypto transfer.
Reload Fee	$0
Replacement Card	$15 (includes secure chip and shipping).
Inactivity (12+ months)	Account review / KYC re-confirmation required.

Reward Tiers

Standard Merchants — 1.5 % SLC cashback equivalent on eligible purchases.
Growth Partners — 2.5 % SLC reward and eligibility for tokenized equity credits.
Auto, Food, and Hospitality Zones — variable reward campaigns announced quarterly.

Program Benefits

Access to early-release merchant tools, courier pools, and marketing credit.
Priority onboarding for Shorelight Capital business incubator opportunities.
Eligibility for quarterly staking multipliers within the SLC Rewards vault.

Risk Disclosure

Digital assets held in the Gold Growth Card are subject to market volatility. Values may fluctuate based on the prevailing BTC/SLC exchange rate at load time. This card does not represent a deposit account and is not insured by any government agency.

Program Rules

All transactions occur exclusively within approved Shorelight zones and marketplaces.
Funds may be converted to SLC tokens for ecosystem payments but are non-withdrawable in cash form.
Cardholders must maintain verified KYC status to retain Gold-tier benefits.

Merchant Discount Rate (MDR)

Merchant settlements for Gold Growth transactions carry a 1.2 % MDR, reduced from the standard 1.8 %, rewarding network participation and transaction volume.

Dispute Resolution

Any disputes or claims arising from participation in the Shorelight Cash Gold Growth Program shall be resolved under Delaware arbitration law. Users may opt out in writing within 30 days of activation. Arbitration decisions are binding and confidential.