Company: NEWTP
Filing Date: 2025-08-15
Form Type: 424B2
Source: 0001587987-25-000152
Chunk: 63

Company: NewtekOne, Inc.
Filing Date: 2025-08-15
Form: 424B2
Chunk 63
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, which is the fifth business day following the date hereof (such settlement cycle being referred to as “T+5”). Under Rule 15c6-1 under the Exchange Act, trades in the secondary market generally are required to settle in one business day unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the depositary shares on any date prior to the business day before delivery thereof will be required, by virtue of the fact that the depositary shares initially will settle in T+5, to specify an alternative settlement cycle at the time of any such trade to prevent failed settlement. Purchasers

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of the depositary shares who wish to trade such securities prior to their date of delivery hereunder should consult their own advisors.

#### Other Jurisdictions
Other than in the United States, no action has been taken by us or the underwriters that would permit a public offering of the depositary shares offered by this prospectus supplement in any jurisdiction where action for that purpose is required. The depositary shares offered by this prospectus supplement may not be offered or sold, directly or indirectly, nor may this prospectus supplement or any other offering material or advertisements in connection with the offer and sale of any such depositary shares be distributed or published in any jurisdiction, except under circumstances that will result in compliance with the applicable rules and regulations of that jurisdiction. Persons into whose possession this prospectus supplement comes are advised to inform themselves about and to observe any restriction relating to the offering and the distribution of this prospectus supplement. This prospectus supplement and the accompanying prospectus do not constitute an offer to sell or a solicitation of an offer to buy the depositary shares offered by this prospectus supplement and the accompanying prospectus in any jurisdiction in which such an offer or a solicitation is unlawful.

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### LEGAL MATTERS
The validity of the depositary shares and the Preferred Stock will be passed upon for the Company by Michael A. Schwartz, Chief Legal Officer and Corporate Secretary of the Company. Mr. Schwartz will rely upon the opinion of Robert Fraley, Senior Counsel of the Company, as to matters of Maryland law. Certain legal matters in connection with the securities offered hereby will be passed upon for the underwriters by Squire Patton Boggs (US) LLP, Cincinnati, Ohio.

### EXPERTS

#### NewtekOne, Inc.
The consolidated financial statements of NewtekOne, Inc. and its