Ready Capital Investor Presentation Deck slide image

Ready Capital Investor Presentation Deck

A Successful & Proven Asset Manager WATERFALL Asset Management 18 yr Investment record $11.2B AUM 180+ Employees 70+ Investment professionals 60+ yr Leadership team combined experience RC 18% Loans 26% RE PE 4% 2% $11.2B AUM ABS 50% READY CAPITAL. SEC-registered credit investment advisor founded in 2005 Top 10 global manager with focus on real estate loans & ABS • Principals were early pioneers of the ABS industry • Co-founders started Merrill Lynch ABS business in 1980s and worked together for 20 years RC has the right of first refusal on all SBC loans sourced by WAM (¹) 1. Waterfall has agreed in the side letter agreement that, for so long as the management agreement is in effect, neither it nor any of its affiliates will (i) sponsor or manage any additional investment vehicle where the Company does not participate as an investor whose primary investment strategy will involve SBC mortgage loans, unless Waterfall obtains the prior approval of a majority of the Company's board of directors (including a majority of its independent directors), or (ii) acquire a portfolio of assets, a majority of which (by value or UPB) are SBC mortgage loans on behalf of another investment vehicle (other than acquisitions of SBC ABS), unless the Company is first offered the investment opportunity and a majority of its board of directors (including a majority of its independent directors) decide not to acquire such assets. 33
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