NewtekOne Inc

NEWTEKONE, INC., a Maryland corporation (the “Corporation”), hereby certifies to the State Department of Assessments and Taxation of Maryland that:

FIRST: Article VI, Section 5.6 of the Articles of Amendment and Restatement of the Corporation filed on October 31, 2014 (the “Charter”) is hereby amended by deleting such Section 5.6 and replacing it in its entirety with the following:

“Section 5.6 Charter and Bylaws. All persons who shall acquire stock in the Corporation shall acquire the

same subject to the provisions of the charter and the Bylaws. The Board of Directors is vested with the power to

adopt, alter or repeal any provision of the Bylaws and to make new Bylaws. In addition, the stockholders may

adopt, alter or repeal any provision of the Bylaws and make new Bylaws if such action is approved by the

affirmative vote of a majority of all votes entitled to be cast on the matter, except that the stockholders shall not

have the power to alter or repeal any provision of the Bylaws providing indemnification or advancement rights to

any person.”

SECOND: This amendment to the Charter has been approved by the Board of Directors and stockholders

of the Corporation.

THIRD: The undersigned acknowledges these Articles of Amendment to be the corporate act of the

Corporation and as to all matters of facts required to be verified under oath, the undersigned acknowledges that to

the best of his knowledge, information and belief, these matters and facts are true in all material respects and that

this statement is made under the penalties of perjury.

IN WITNESS WHEREOF, the Corporation has caused these Articles of Amendment to be signed in its

name and on its behalf by Chief Executive Officer and attested to by its Secretary as of the day of

, 2024.