Company: NEWTP
Filing Date: 2025-11-25
Form Type: S-4/A
Source: 0001628280-25-054014
Chunk: 18

Company: NewtekOne, Inc.
Filing Date: 2025-11-25
Form: S-4/A
Chunk 18
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 written notice of acceptance to the Exchange Agent. The Exchange Agent will act as agent for the tendering holders of Old Notes. If you are the record owner of your Old Notes and you tender your Old Notes directly to the Exchange Agent, you will not be obligated to pay any charges or expenses of the Exchange Agent or any brokerage commissions. If you own your Old Notes through a broker, dealer, commercial bank, trust company or other nominee, and your broker, dealer, commercial bank, trust company or other nominee tenders the Old Notes on your behalf, they may charge you a fee for doing so. You should consult with your broker, dealer, commercial bank, trust company or other nominee to determine whether any charges will apply. Except as set forth in the instructions to the letter of transmittal, transfer taxes, if any, on the exchange of Old Notes pursuant to the Exchange Offer will be paid by the Company.

None of the board of directors of the Company, the Dealer Manager, the Information Agent and the Exchange Agent has made a recommendation to any noteholder, and each is remaining neutral as to whether you should tender your Old Notes and participate in the Exchange Offer. You must make your own investment decision with regards to the Exchange Offer based upon your own assessment of the market value of the Old Notes, your liquidity needs and your investment objectives.

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#### Minimum Tender Denominations and Fractions
Old Notes must be tendered in minimum denominations of $25 and integral multiples of $25 in excess thereof. New Notes will be issued in minimum denominations of $25 and integral multiples of $25 in excess thereof. We will not accept Old Notes that would result in the issuance of less than $25 principal amount of New Notes to a tendering holder. If, under the terms of the Exchange Offer, a tendering holder would be entitled to receive New Notes in a principal amount that is not an integral multiple of $25, we will round downward such principal amount of New Notes to the nearest integral multiple of $25 in excess thereof. This rounded amount will be the principal amount of New Notes you will receive. We will pay to such tendering holder an amount in cash (rounded to the nearest $0.01 with half a cent being rounded upwards) on the Settlement Date for any fractional portion of New Notes that such holder would otherwise be entitled to receive.

#### Expiration Date; Extensions; Amendments
The Expiration Date of the Exchange Offer will be January 9, 202