FIFTH SUPPLEMENTAL INDENTURE between NEWTEK BUSINESS SERVICES CORP. and U.S. BANK NATIONAL ASSOCIATION, as Trustee Dated as of November 27, 2020 RECITALS OF THE COMPANY

FIFTH SUPPLEMENTAL INDENTURE between NEWTEK BUSINESS SERVICES CORP. and U.S. BANK NATIONAL ASSOCIATION, as Trustee Dated as of November 27, 2020 RECITALS OF THE COMPANY

ARTICLE I TERMS OF THE NOTES Section 1.01. Terms of the Notes

provided however

ARTICLE II DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION Section 2.01.

Section 2.02. Section 2.03.

ARTICLE III EXECUTION OF SECURITIES Section 3.01. ARTICLE IV SATISFACTION AND DISCHARGE Section 4.01. ARTICLE V TRUSTEE Section 5.01.

ARTICLE VI COVENANTS Section 6.01.

ARTICLE VII DEFEASANCE AND COVENANT DEFEASANCE Section 7.01.

ARTICLE VIII MEETINGS OF HOLDERS OF SECURITIES Section 8.01. provided, however ARTICLE IX MISCELLANEOUS Section 9.01. Section 9.02. Section 9.03. Section 9.04.

Section 9.05. Section 9.06. Section 9.07. Section 9.08.

Signature page to Fifth Supplemental Indenture NEWTEK BUSINESS SERVICES CORP. U.S. BANK NATIONAL ASSOCIATION

Exhibit A – Form of Note Newtek Business Services Corp.

NEWTEK BUSINESS SERVICES CORP.

Newtek Business Services Corp.

Exhibit A – Form of Global Note Newtek Business Services Corp.

provided, further, however

NEWTEK BUSINESS SERVICES CORP.

Newtek Business Services Corp.