Your vote matters – here’s how to vote! You may vote online or by phone instead of mailing this card. Votes submitted electronically must be received by 11:59 p.m., Eastern Time, on February 27, 2019. Online Go to www.investorvote.com/ORM or scan the QR code — login details are located in the shaded bar below. Phone Call toll free 1-800-652-VOTE (8683) within the USA, US territories and Canada Save paper, time and money! Sign up for electronic delivery at www.investorvote.com/ORM Using a black ink pen, mark your votes with an X as shown in this example. Please do not write outside the designated areas. q IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE. q + Abstain For Against Abstain ForAgainst 1. to consider and vote on a proposal (the ‘’ORM Merger Proposal’’) to approve the merger of ORM with and into ReadyCap Merger Sub, LLC, a Delaware limited liability company (‘’Merger Sub’’), with Merger Sub continuing as the surviving entity, and the other transactions contemplated by that certain Agreement and Plan of Merger (the ‘’Merger Agreement’’), dated as of November 7, 2018, among Ready Capital Corporation, a Maryland corporation, Merger Sub and ORM, as it may be amended from time to time, a copy of which is attached as Annex A to the joint proxy statement/prospectus accompanying this notice; 2. to consider and vote on a proposal to terminate that certain management agreement (the ‘’ORM Management Agreement’’) between ORM and Owens Financial Group, Inc. (the ‘’ORM Manager’’), dated as of May 20, 2013, as amended on April 1, 2018 (the ‘’ORM Management Agreement Termination Proposal’’); and 3. to consider and vote on a proposal to approve the adjournment of the ORM special meeting, if necessary or appropriate, for the purpose of soliciting additional votes for the approval of the ORM Merger Proposal and the ORM Management Agreement Termination Proposal (the ‘’ORM Adjournment Proposal’’). The proxies are authorized to vote in their discretion on any other matter that may properly come before said meeting or any postponements or adjournments thereof. Please sign exactly as name(s) appears hereon. Joint owners should each sign. When signing as attorney, executor, administrator, corporate officer, trustee, guardian, or custodian, please give full title. Date (mm/dd/yyyy) — Please print date below. Signature 1 — Please keep signature within the box. Signature 2 — Please keep signature within the box. + 1 U P X 02YYKC B Authorized Signatures — This section must be completed for your vote to be counted. — Please Date and Sign Below and Return Promptly A Proposals — The Board of Directors recommends a vote FOR Proposals 1 – 3. Special Meeting Proxy Card
