Good day [fname],

This is [agent] with Alliance Advisors, on behalf of your investment with NewtekOne, Inc.

NewtekOne, Inc. is offering eligible holders the option to exchange their 5.50% Notes due 2026 for 8.50% Fixed Rate Senior Notes due 2031.

Exchange rate: $25 for $25. The offer expires January 9, 2026, at 5:00 PM ET (unless extended). You may withdraw at any time before the deadline.

Participants will receive accrued interest up to settlement. No cash alternative is offered.

To participate, tender through DTC/ATOP or return the Letter of Transmittal.

Questions? Call 1-855-206-1406, Mon to Fri, 9:00 AM to 10:00 PM ET.

Thank you for your attention to this matter.

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