Company: NEWTP
Filing Date: 2025-08-15
Form Type: 424B2
Source: 0001587987-25-000152
Chunk: 38

Company: NewtekOne, Inc.
Filing Date: 2025-08-15
Form: 424B2
Chunk 38
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 preferred stock (including the Preferred Stock for this purpose), then only the series of voting preferred stock materially and adversely affected and entitled to vote will vote as a class in lieu of all other series of voting preferred stock.

Without the consent of the holders of the Preferred Stock, so long as such action does not adversely affect the special rights, preferences, privileges and voting powers of the Preferred Stock, taken as a whole, and to the extent permitted by law, the Company may amend, alter, supplement, or repeal any terms of the Company’s Articles of Incorporation or the Articles Supplementary for the shares of Preferred Stock for the following purposes:

• to cure any ambiguity, or to cure, correct, or supplement any provision that may be ambiguous, defective, or inconsistent; or

• to make any provision with 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