Company: NEWTP
Filing Date: 2025-08-15
Form Type: 424B2
Source: 0001587987-25-000152
Chunk: 10

Company: NewtekOne, Inc.
Filing Date: 2025-08-15
Form: 424B2
Chunk 10
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'>S-10</div>

<div align='center'>S-11</div>

| Dividend Payment Dates |     | Dividends on the Preferred Stock will be payable when, as and if declared by the Board or a duly authorized committee of the Board, quarterly, in arrears on January 1, April 1, July 1 and October 1 of each year (each, a “divided payment date”), beginning on October 1, 2025. Each period from and including a dividend payment date (or, in the case of the initial dividend period only, the date of the issuance of the Preferred Stock) to, but excluding, the following dividend payment date is referred to as a “dividend period.”                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
 If any date on which dividends would otherwise be payable is not a business day (as defined in the “Description of Preferred Stock – Dividends”), then such date will nevertheless be a dividend payment date but dividends on the Preferred Stock will be paid on the next business day without any adjustment to the amount of dividends paid.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
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| Dividend Stopper       |     | While the Preferred Stock is outstanding, unless, in each case, the full dividends for the preceding dividend period on all outstanding shares of Preferred Stock have been declared and paid or declared and a sum sufficient for the payment thereof has been set aside:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
 •no dividend will be declared or paid or set aside for payment and no distribution will be declared or made or set aside for payment on any junior stock (as defined below), subject to certain exceptions;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
 •no shares of junior stock (as defined below) shall be repurchased, redeemed or otherwise acquired for consideration by the Company, directly or indirectly, subject to certain exceptions, nor shall any monies be paid to or made available for a sinking fund for the redemption of any such securities by the Company; and                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
 •no shares of parity stock shall be repurchased, redeemed or otherwise acquired for consideration by the Company, directly or indirectly, subject to certain exceptions, nor shall any monies be paid to or made available for a sinking fund for the redemption of any such securities by the Company, during a dividend period.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
 Subject to the immediately succeeding sentence, for so