Residential Mortgage Banking Overview

Small Business Lending READY CAPITAL. LOAN COUNT UPB BOOK VALUE(1) WA LTV(2) WA COUPON 2,787 $1.25B $1.22B 91.9% 10.1% FIXED/FLOAT 0.8/99.2% 60+ Days Past Due 1.0% GEOGRAPHY 1. Gross of general reserves PROPERTY TYPE 36% Small Business Lending 24% 22% 8% 10% Powered by Bing GeoNames, Microsoft, TomTom ■Lodging ■ Retail Eating Place ■ Doctors ■ Other 2. Loan-to-value (LTV) is calculated by dividing the current unpaid principal balance by the most recent collateral value received. The most recent value for performing loans is often the third-party9 as-is valuation utilized during the original underwriting process

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