Company: NEWTP
Filing Date: 2025-08-13
Form Type: 424B2
Source: 0001587987-25-000144
Chunk: 38

Company: NewtekOne, Inc.
Filing Date: 2025-08-13
Form: 424B2
Chunk 38
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 respect to matters or questions relating to the Preferred Stock that is not inconsistent with the provisions of the Articles Supplement for the Preferred Stock.

The foregoing voting provisions will not apply if, at or prior to the time when the act with respect to which such vote would otherwise be required will be effected, all outstanding shares of Preferred Stock will have been redeemed.

<div align='center'>S-32</div>

See “Description of Depositary Shares - Voting the Preferred Stock” for information about voting of the depositary shares representing the Preferred Stock.

#### Other Preferred Stock; Series A Preferred Stock
The Company’s Articles of Incorporation authorizes the Board to classify unissued common stock into one or more series of preferred stock, and the Company’s common stock carries a par value of $0.02 per share as set forth in the Company’s Articles of Incorporation. The Board can also determine the terms, including the designations, powers, preferences and rights (including conversion, voting and other rights) and the qualifications, limitations or restrictions, of any preferred stock. As of the date of this prospectus supplement, 20,000 shares of the Company’s capital stock are classified as preferred stock under the Company’s Articles of Incorporation. As of June 30, 2025, the Company had 20,000 shares of Series A Preferred Stock issued and outstanding.

Each share of Series A Preferred Stock was issued at a price of $1,000 per share (the “Issue Price”) and is convertible at the holder’s option into 47.54053782 shares of Common Stock, subject to customary adjustments for stock splits, dividends payable in shares of Common Stock, reclassifications and the like.

Holders of Series A Preferred Stock are be entitled to receive (when and if declared) cumulative cash dividends, payable quarterly, equal to the greater of (i) 8.0% of the Issue Price, or (ii) the amount the holder would have received during the applicable dividend period if such share had been converted into Common Stock immediately prior to the payment of such dividend. The holders of Series A Preferred Stock are entitled to receive liquidating distributions per share equal to the greater of (i) 1.25 times the Issue Price for such share of Series A Preferred Stock, or (ii) the amount the holders of such share of Series A Preferred Stock would receive in respect of such share, if such share had been converted into Common Stock immediately prior to the Company’s liquidation, dissolution, or winding up, plus any accumulated but