Company: NEWTP
Filing Date: 2025-08-15
Form Type: 424B2
Source: 0001587987-25-000152
Chunk: 61

Company: NewtekOne, Inc.
Filing Date: 2025-08-15
Form: 424B2
Chunk 61
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 permitted by applicable laws and regulations. The underwriters are not obligated, however, to make a market in the depositary shares, and any such market-making may be discontinued at any time in the sole discretion of the underwriters without any notice. Accordingly, no assurance can be given as to the liquidity of, or development of a public trading market for, the depositary shares. If an active public trading market for the depositary shares does not develop, the market price and liquidity of the depositary shares may be adversely affected.

#### Price Stabilization and Short Positions
In connection with the offering, the underwriters may purchase and sell depositary shares in the open market. These transactions may include overallotment, covering transactions and stabilizing transactions. Overallotment involves sales of depositary shares in excess of the number of depositary shares to be purchased by the underwriters in the offering, which creates a short position for the underwriters. Covering transactions involve purchases of depositary shares in the open market after the distribution has been completed in order to cover short positions. Stabilizing transactions consist of certain bids or purchases of depositary shares made for the purpose of preventing or retarding a decline in the market price of the depositary shares while the offering is in progress.

<div align='center'>S-50</div>

The underwriters also may impose a penalty bid. This occurs when a particular underwriter repays to the underwriters a portion of the underwriting discount received by it because the representatives have repurchased depositary shares sold by or for the account of such underwriter in stabilizing or short covering transactions.

Any of these activities may cause the market price of the depositary shares to be higher than the price that otherwise might exist in the open market in the absence of such transactions. These transactions may be effected on Nasdaq, in the over-the-counter market or otherwise, and, if commenced, may be discontinued at any time without any notice relating thereto. Neither we nor any of the underwriters makes any representation or prediction as to the direction or magnitude of any effect that the transactions described above may have on the price of the depositary shares. In addition, neither we nor any of the underwriters makes any representation that the representatives will engage in these transactions or that these transactions, once commenced, will not be discontinued without notice.

#### Other Relationships
Certain of the underwriters and their affiliates have provided in the past and may provide from time to time in the future, in the ordinary course of their business, certain commercial