Good day [fname],

This is [Agent] with Alliance Advisors on behalf of NewtekOne, Inc.

Update: The Exchange Offer deadline has been extended from January 6 to January 23, 2026 (5:00 PM ET).

Eligible holders may exchange 5.50% Notes due 2026 for 8.50% Fixed Rate Senior Notes due 2031 at $25 for $25.

You may withdraw at any time before the deadline. Accrued interest will be paid; no cash alternative.

To participate, tender through your broker (DTC/ATOP) or return the Letter of Transmittal.

Questions? Call 1-855-206-1406 (Mon–Fri, 9am–10pm ET).

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