NEWTEKONE, INC.

WHISTLEBLOWER HOTLINE

The Audit Committee of the Board of Directors of NewtekOne, Inc. (the "Company") has established policies and procedures for the receipt, retention and treatment of complaints received by the Company regarding accounting, internal accounting controls or auditing matters and the confidential, anonymous submission by Company and subsidiary employees of concerns regarding questionable accounting or auditing matters. The Company provides access to a confidential, anonymous hotline (a toll-free telephone number to call) for reporting known or suspected auditing, accounting or other concerns. Hotline: (833)-352-4873.