AMPD REWARDS PROGRAM TERMS AND CONDITIONS

The AMPD Rewards program (the program) is an incentive program offered and administered by Card Assets ("CA"), as a provider and servicer for First Arkansas Bank & Trust ("FAB&T") . This document sets forth the terms and conditions that govern the promotion of the program by CA and AMPD enrolled members ("members").

Terms and Conditions:

1. Payee Eligibility: Enrollment in the program is required to earn rewards.  Enrolled AMPD members ("members") must be legal residents of the United States and be 18 years or older at the time of program registration. 

2. Incentive rewards are only earned on qualifying applications that are submitted subsequent to the member enrolling in the program.  An application must be completely and accurately populated with applicant data in order to be considered a qualifying application.  Incentive rewards are not earned on any applications submitted prior to member enrollment in the program.

3. A member must reach a minimum incentive goal set by FAB&T and CA in order to request a reward payout.

4. There are no limits on the amount of incentive rewards that a member may earn.  However, in compliance with federal regulations, for any amount earned over $600 during a calendar year, CA is required to generate a 1099 tax form and send it to the Internal Revenue Service for tax reporting purposes.

5. Each member agrees to:

a) Complete on-line or paper credit applications and submit them to CA with their unique program ID.

b) Ensure completeness and accuracy of each credit application prior to submission.  Incomplete or inaccurate applications may be rejected.  Applications that fail to include a valid program ID are not eligible for rewards.

c) Log in to the APMD Rewards site on a regular basis to keep up to date on program rules, review his or her account and verify his or her reward payment status.

d) Keep his or her profile updated with accurate information.

6. CA agrees to:

a) At the discretion of CA, deliver rewards through a reloadable general purpose card, single-use card or check to each member who has earned incentive rewards.

b) Pay incentive rewards to enrolled members as set forth in the agreement between CA and/or FAB&T and the member's employer bank.  [For any incentive rewards for activated applications, an application is considered activated when an approved cardholder spends more than $250 on a consumer card or more than $500 on a business card within 90 days from the date of card activation.]

7. CA retains sole and final authority on all program eligibility and incentive reward earnings disputes.

8. AMPD Rewards are only earned on the initial card application.  AMPD Rewards are not earned when card holders add account features at any point after the initial card application.

9. Any member attempting to make false applications or to defraud CA or FAB&T in any way in connection with the AMPD Rewards program may be prosecuted to the fullest extent of the law.

10. For answers to any questions regarding these terms and how they apply please contact AMPD@thecardservicescenter.com.

11. CA reserves the right to modify or cancel this promotion without notice at any time.