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These have been derived from third party sources and have not been independently verified by the Company or its affiliates.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 07:25:58.414+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "aef33dd1-0c8b-4812-a2d6-c44881ee3732", "parentComponentId": null }, { "bbox": { "h": 0.179, "w": 0.824, "x": 0.093, "y": 0.24 }, "kind": "disclaimer", "text": "This presentation contains statements that constitute “forward-looking statements,” as such term is defined in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and such statements are intended to be covered by the safe harbor provided by the same. These statements are based on management’s current expectations and beliefs and are subject to a number of trends and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements; Ready Capital Corporation (the “Company”) can give no assurance that its expectations will be attained. Factors that could cause actual results to differ materially from the Company’s expectations include those set forth in the Risk Factors section of the most recent Annual Report on Form 10-K filed with the SEC and other reports filed by the Company with the SEC, copies of which are available on the SEC’s website, www.sec.gov. 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Before dividends on preferred securities and inclusive of non-controlling interest\n2. Before dividends on preferred securities and inclusive of non-controlling interest. Refer to the \"Distributable Earnings Reconciliation by Quarter\" slide for a reconciliation of GAAP Net Income to Distributable Earnings\n3. Return on equity is an annualized percentage equal to quarterly net income over the average monthly total stockholders' equity for the period\n4. Distributable return on equity is an annualized percentage equal to distributable earnings over the average monthly total stockholders' equity for the period. Refer to the \"Distributable Earnings Reconciliation by Quarter\" slide for a reconciliation of GAAP Net Income to Distributable Earnings\n5. Q3 dividend yield for the period is based on the 9/29/2023 closing share price of $10.11\n6. Represents fully committed amounts\n7. 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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. 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