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Levered yield includes interest income, accretion of discount, MSR creation, income from unconsolidated joint ventures, realized gains (losses) on loans held for sale, unrealized gains (losses) on loans held for sale and servicing income net of interest expense and amortization of deferred financing costs on an annualized basis.\n2. GAAP ROE is based on GAAP Net Income, while Distributable ROE is based on Distributable Earnings, which adjusts GAAP Net Income for certain items detailed on the \"Distributable Earnings Reconciliation\" slide.\n3. ROE based on net income before tax of the Residential Mortgage Banking business line divided by the business line's average monthly equity.\n4. Includes Employee Retention Credit processing fee income\n5. Non-recurring gains, losses and expenses before applicable tax expenses.\n6. 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