Company: NEWTP
Filing Date: 2025-08-13
Form Type: 424B2
Source: 0001587987-25-000144
Chunk: 42

Company: NewtekOne, Inc.
Filing Date: 2025-08-13
Form: 424B2
Chunk 42
---
 and Expenses of Depositary
The Company will pay all transfer and other taxes, assessments, and governmental charges arising solely from the existence of the depositary arrangements. The Company will also pay all charges of the depositary in connection with the initial deposit of the Preferred Stock. Holders of the depositary shares will pay transfer and other taxes, assessments, and governmental charges and any other charges as are expressly provided in the deposit agreement to be for their accounts. The depositary may refuse to effect any transfer of a depositary receipt or any withdrawals of shares of Preferred Stock represented by the depositary shares evidenced by a depositary receipt until all taxes, assessments, and governmental charges with respect to such depositary receipt are paid by the holder.

#### Listing
Prior to this offering, there has been no public market for the depositary shares. The Company intends to apply to list the depositary shares on Nasdaq under the symbol “NEWTP.” If the application is approved, the Company expects trading of the depositary shares on Nasdaq to begin within the 30-day period after the initial delivery of the depositary shares.

#### Form of Depositary Shares
The Preferred Stock will be issued in registered form to the depositary, and the depositary shares shall be issued in book-entry form only through DTC, as described in “Book-Entry System.”

#### Depositary
Equiniti Trust Company, LLC will act as the depositary for the depositary shares as of the original issue date.

<div align='center'>S-35</div>

#### Further Issuances
The Company may from time to time elect to issue additional depositary shares, and all the additional shares would be deemed to form a single series with the depositary shares offered by this prospectus supplement.

<div align='center'>S-36</div>

### BOOK-ENTRY SYSTEM

#### Book-Entry System
The Company will issue the depositary shares under a book-entry system in the form of one or more global depositary receipts. The Company will register the global depositary receipts in the name of Cede & Co., as a nominee for The Depository Trust Company, New York, New York, or such other name as may be requested by an authorized representative of DTC and deposit the global depositary receipts with the depositary. Ownership of beneficial interests in a global depositary receipt will be limited to institutions who have accounts with DTC (“participants”) or persons who hold interests through such participants. Ownership of beneficial interests in a global security will be shown on,