Business Platinum Low RateNewtown Savings Bank · SI bank, CT · FDIC 18199

CurrentLast observed Oct 13, 2026Official issuerCredit card · Business

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

$99

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$99, $99 annual fee*Newtown Savings Bank · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“$99 annual fee*”Newtown Savings Bank · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	1% of the amount, minimum $10, No balance transfer fee for the first six months*; after that, a 1% fee, or minimum of $10, applies to all balance transfersNewtown Savings Bank · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“No balance transfer fee for the first six months*; after that, a 1% fee, or minimum of $10, applies to all balance transfers”Newtown Savings Bank · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Newtown Amend 2 - 3.31.2022page 1 of 4

SECOND AMENDMENT TO CREDIT CARD MARKETING AND RECEIVABLES PURCHASE AGREEMENT

This Second Amendment (this "Amendment") to the Credit Card Marketing and Receivables Purchase Agreement dated March 7, 2014 (together with any Amendments and Addendurns hereto, the "Agreement"), is made effective as of the 31st day of March, 2022, by and between Newtown Savings Bank, a Connecticut savings bank ("Client") and Pinnacle Bank, a Tennessee banking corporation ("Issuer"). Each party may be referred to herein as a "Party" or collectively as "Parties". Capitalized terms used in this Amendment that are not defined herein shall have the meaning set forth in the Agreement.

RECITALS

WHEREAS, the Parties have entered into the Agreement to facilitate Client's marketing of credit card accounts owned by the Issuer and purchase of all related receivables;

WHEREAS, the Parties would like to revise the Agreement to extend the term and to provide for the issuance of additional consumer and business World Card and Low Rate card products in connection with the Program; and

WHEREAS, the Issuer and Client desire to set forth this amendment to the Agreement in writing;

NOW, THEREFORE, in consideration of the foregoing and the mutual promises and covenants set forth herein, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:

The first sentence of Section 11.1 of the Agreement is deleted in its entirety and replaced with the following:

"Section 11.1 Term and Expiration. The term of this Agreement shall commence on the Effective Date and continue through March 31, 2024 (the "Initial Term) unless terminated earlier as provided below."

Exhibit 2 of the Agreement is expanded as provided on the attached to include new Consumer and Business World Card and Low Rate Card Products and Pricing.

Except as modified herein, the terms and provisions of the Agreement are in full force and effect.

1 2 3 4No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Newtown Savings Bank
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:7b70f873e6de11e569250027c5ffd62eb7184fe14d2fd0e096acfa021b9a1285
“$99 annual fee*”
Open source link ↗
Newtown Savings Bank
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:7b70f873e6de11e569250027c5ffd62eb7184fe14d2fd0e096acfa021b9a1285
“No balance transfer fee for the first six months*; after that, a 1% fee, or minimum of $10, applies to all balance transfers”
Open source link ↗
Newtown Savings Bank
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:7b70f873e6de11e569250027c5ffd62eb7184fe14d2fd0e096acfa021b9a1285
“*Terms & Conditions”
Open source link ↗
Newtown Savings Bank
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:7b70f873e6de11e569250027c5ffd62eb7184fe14d2fd0e096acfa021b9a1285
“Low variable APR of Prime + 2.99%*”
Additional source detail; structured values remain unknown. Exact APR wording retained; no original capture date is supplied, so no APR effective date is inferred.
Open source link ↗

History

dates on sources or when they were captured

Oct 13, 2026: Annual fee, Balance transfer fee, Issuer link

Offered through: Newtown Savings Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 18199
Branches: 19 in CT
Sources: Official issuer · 1 document · 0 pages cited

Documents

Newtown Amend 2 - 3.31.2022effective date not parsedName declaration: Business Platinum Low Rate · page 3

Business Platinum Low RateNewtown Savings Bank · SI bank, CT · FDIC 18199

Rates and fees