Company: NEWTP
Filing Date: 2025-08-13
Form Type: 424B2
Source: 0001587987-25-000144
Chunk: 17

Company: NewtekOne, Inc.
Filing Date: 2025-08-13
Form: 424B2
Chunk 17
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 - Voting Rights - Right to Elect Two Directors upon Nonpayment.”

General market conditions and unpredictable factors could adversely affect market prices for the Preferred Stock and the depositary shares representing the Preferred Stock.

Future trading prices of the Preferred Stock and the depositary shares representing the Preferred Stock will depend on many factors, including:

• whether the Company declares or fails to declare dividends on the Preferred Stock from time to time;

• the Company’s operating performance, financial condition and prospects, or the operating performance, financial condition and prospects of the Company’s competitors;

• the Company’s creditworthiness;

• the ratings given to the Company’s securities by credit rating agencies, including the ratings given to the depositary shares representing the Preferred Stock;

• prevailing interest rates;

• economic, financial, geopolitical, regulatory or judicial events affecting us or the financial markets generally; and

• the market for similar securities.

There may be future sales of the Preferred Stock or the related depositary shares, which may adversely affect the market price of the depositary shares.

Except as described under the heading “Underwriting” below, the Company is not restricted from issuing additional Preferred Stock or related depositary shares or securities similar to the Preferred Stock or the depositary shares, including any securities that are convertible into or exchangeable for, or that represent the right to receive, Preferred Stock or depositary shares. Holders of the Preferred Stock or the depositary shares have no preemptive rights that entitle holders to purchase their pro rata share of any offering of shares of any class or series. The market

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price of the depositary shares could decline as a result of sales of shares of Preferred Stock or depositary shares made after this offering or the perception that such sales could occur. Because the Company’s decision to issue securities in any future offering will depend on market conditions and other factors beyond its control, the Company cannot predict or estimate the amount, timing or nature of our future offerings. Thus, holders of the depositary shares bear the risk of our future offerings reducing the market price of the depositary shares and diluting their holdings in the depositary shares.

There is no existing trading market for the depositary shares and, even if Nasdaq approves the listing of the depositary shares, an active trading market for the depositary shares may not develop, which could limit your ability to sell the depositary shares and/or the market price of the depositary shares.

The depositary shares will be