*Offer valid for qualifying new loans funded between August 1, 2026, and August 31, 2026, and for qualifying initial draws made during the promotional period on existing ARF Financial lines of credit. Eligible borrowers will receive a $500 American Express® Gift Card for every $50,000 borrowed, based solely on the initial funded amount or initial draw amount, up to a maximum reward of $2,500 per borrower. Additional draws made after the initial funding or initial draw during the promotional period are not eligible toward additional rewards. Offer is valid on new loan originations and existing line of credit initial draws only. Refinances, renewals, restructures, extensions, modifications, and replacement loans are not eligible. Offer may not be combined with any other promotional offer, incentive, discount, or reward program. All loans and line of credit draws are subject to ARF Financial’s underwriting, credit, documentation, and funding requirements. Submission of an application or draw request does not guarantee approval or funding. To qualify for the promotion, the loan or eligible draw must be approved, funded, and disbursed during the promotional period. Reward eligibility is determined by the qualifying funded amount or initial draw amount only. Borrowers may receive a maximum of five (5) $500 American Express Gift Cards ($2,500 total) under this promotion. Gift cards will be issued after verification of funding eligibility and may take several weeks following funding to be delivered. ARF Financial reserves the right to substitute a gift card of equal value if necessary. Borrowers are solely responsible for any federal, state, or local taxes associated with receipt of any promotional reward. ARF Financial reserves the right to modify, suspend, or terminate this promotion at any time without prior notice and to disqualify any participant if fraud, abuse, misrepresentation, or other activity intended to circumvent these terms is suspected. Void where prohibited by law. American Express is not a sponsor of, affiliated with, or responsible for this promotion..