Investor Presentaiton

CORPORATE RESPONSIBILITY OVERVIEW Ladder's Commitment to Responsible and Sustainable Growth LC LADDER CAPITAL Environmental Environmental Risk Assessment Environmental policy applies to all real estate debt and equity investments All properties require inspection by licensed environmental engineers Findings and recommendations from all property inspections reviewed by environmental counsel - Monitored by seasoned asset • • Social Supporting Community Development Investments and financings include multifamily and commercial real estate in under-served low- to moderate-income communities Investment in Human Capital Committed to attracting and developing a diverse and productive workforce Open-door policy promotes transparency Interdepartmental programs, including formal mentoring and "Ladder Climbers" enable development of leadership skills • Response to COVID-19 management team Responsible and Sustainable Business Practices Use office equipment that meet energy management standards Participate in waste recycling programs Encourage employees to be environmentally friendly Promptly activated Business Continuity Plan, including Pandemic Plan, with focus on employee safety, remote working procedures and operational resiliency Adopted New York State Model Hero Act · • - - - Governance Strong Corporate Culture Tone at the top promotes transparency, accountability, and ethical behavior Legal & compliance policies and ongoing employee training Robust Corporate Structure Majority Board independence Women on the Board and in the C-suite Seasoned, Aligned Management Team Depth and substantial years of experience Strong alignment of interests via internally- managed platform with high insider ownership Systemic Risk Management - Practices overseen by the Board - Separate origination, underwriting and transaction management for checks and balances Privacy and data protection policies and cybersecurity protocols 20

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