Ready Capital Investor Presentation Deck

Residential Mortgage Banking Overview GMFS, founded in 1999, has a leading Southeast market share and acquired via the ZFC merger in 2016 Licensed in 18 states, approved FNMA and FHLMC seller-servicer, GNMA issuer, HUD / FHA / USDA originator and VA lender GMFS provides a wide range of residential mortgage services, including home purchase financing, refinancing and other mortgage products Operates through 12 retail branches located in Louisiana, Georgia, Mississippi, Alabama and Texas Servicing retained model provides natural hedge to production READY CAPITAL. 13

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