ABR

SEC source: 0001104659-25-025049 · tm259592-18_4seq1.xml · nonDerivative · entry 3

Kilgore Gene · CIK 0001308193 · EVP

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 246,859

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025049 · tm259592-18_4seq1.xml · nonDerivative · entry 2

Kilgore Gene · CIK 0001308193 · EVP

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 252,173

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025049 · tm259592-18_4seq1.xml · nonDerivative · entry 1

Kilgore Gene · CIK 0001308193 · EVP

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 256,320

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-25-025045 · tm259592-16_4seq1.xml · nonDerivative · entry 3

Elenio Paul · CIK 0001338657 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 332,027

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025045 · tm259592-16_4seq1.xml · nonDerivative · entry 2

Elenio Paul · CIK 0001338657 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 338,669

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025045 · tm259592-16_4seq1.xml · nonDerivative · entry 1

Elenio Paul · CIK 0001338657 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 345,581

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-25-025043 · tm259592-15_4seq1.xml · nonDerivative · entry 1

Tsunis George · CIK 0001682121 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 7,922

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the "Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan.

SEC source: 0001104659-25-025040 · tm259592-13_4seq1.xml · nonDerivative · entry 3

Katz Steve · CIK 0001767589 · EVP, Chief Invest Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 180,236

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025040 · tm259592-13_4seq1.xml · nonDerivative · entry 2

Katz Steve · CIK 0001767589 · EVP, Chief Invest Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 186,878

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025040 · tm259592-13_4seq1.xml · nonDerivative · entry 1

Katz Steve · CIK 0001767589 · EVP, Chief Invest Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 198,067

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-25-025036 · tm259592-12_4seq1.xml · nonDerivative · entry 3

Vahidi Maysa · CIK 0001932313 · EVP General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 38,178

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025036 · tm259592-12_4seq1.xml · nonDerivative · entry 2

Vahidi Maysa · CIK 0001932313 · EVP General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 40,275

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025036 · tm259592-12_4seq1.xml · nonDerivative · entry 1

Vahidi Maysa · CIK 0001932313 · EVP General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 42,458

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-25-025024 · tm259592-9_4seq1.xml · nonDerivative · entry 3

Caulfield John · CIK 0001696829 · COO, Agency Lending

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 227,813

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025024 · tm259592-9_4seq1.xml · nonDerivative · entry 2

Caulfield John · CIK 0001696829 · COO, Agency Lending

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 235,783

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-025024 · tm259592-9_4seq1.xml · nonDerivative · entry 1

Caulfield John · CIK 0001696829 · COO, Agency Lending

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 239,239

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-25-025020 · tm259592-7_4seq1.xml · derivative · entry 1

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 40,923

Underlying: Common Stock, par value $0.01 per share · 9,545 shares

Expires not disclosed

F1 · derivative.exercise_price: On March 14, 2025, Mr. Green was granted 9,545 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Green has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On March 14, 2025, Mr. Green was granted 9,545 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Green has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On March 14, 2025, Mr. Green was granted 9,545 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Green has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On March 14, 2025, Mr. Green was granted 9,545 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Green has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-25-025008 · tm259592-2_4seq1.xml · nonDerivative · entry 1

Effron Caryn · CIK 0001897248 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 35,686

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the "Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan.

SEC source: 0001104659-25-025005 · tm259592-1_4seq1.xml · nonDerivative · entry 1

Wilkens Carrie · CIK 0001998608 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 20,279

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the "Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan.

SEC source: 0001104659-25-025017 · tm259592-6_4seq1.xml · derivative · entry 1

Schwartz Elliot · CIK 0001742856 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 35,169

Underlying: Common Stock, par value $0.01 per share · 9,545 shares

Expires not disclosed

F1 · derivative.exercise_price: On March 14, 2025, Mr. Schwartz was granted 9,545 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Schwartz has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On March 14, 2025, Mr. Schwartz was granted 9,545 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Schwartz has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On March 14, 2025, Mr. Schwartz was granted 9,545 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Schwartz has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On March 14, 2025, Mr. Schwartz was granted 9,545 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Schwartz has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-25-019156 · tm257850-2_4seq1.xml · derivative · entry 3

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Indirect · By Arbor Commercial Mortgage, LLC

Disclosed balance after: 10,483,930

Underlying: Common Stock, par value $0.01 per share · 113,636 shares

Expires not disclosed

F1 · derivative.exercise_price: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

F1 · kind: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

F1 · price: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

F3 · derivative.exercise_date: Not applicable.

F3 · derivative.expiration_date: Not applicable.

F2 · balance_after: Mr. Kaufman disclaims beneficial ownership of these shares, except to the extent of his pecuniary interest therein.

SEC source: 0001104659-25-019156 · tm257850-2_4seq1.xml · nonDerivative · entry 1

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Indirect · By Arbor Commercial Mortgage, LLC

Disclosed balance after: 10,483,930

F1 · kind: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

F1 · price: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

F2 · balance_after: Mr. Kaufman disclaims beneficial ownership of these shares, except to the extent of his pecuniary interest therein.

SEC source: 0001104659-25-019154 · tm257850-1_4seq1.xml · derivative · entry 2

ARBOR COMMERCIAL MORTGAGE LLC · CIK 0001285910 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 10,483,930

Underlying: Common Stock, par value $0.01 per share · 113,636 shares

Expires not disclosed

F1 · derivative.exercise_price: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

F1 · kind: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

F1 · price: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

F2 · derivative.expiration_date: Not applicable.

SEC source: 0001104659-25-019154 · tm257850-1_4seq1.xml · nonDerivative · entry 1

ARBOR COMMERCIAL MORTGAGE LLC · CIK 0001285910 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 10,483,930

F1 · kind: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

F1 · price: On February 26, 2025 Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at approximately $1,500,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. from February 11, 2025 through February 25, 2025, of $13.20 per share.

SEC source: 0001104659-25-019158 · tm257850-3_4seq1.xml · derivative · entry 6

Natalone John · CIK 0001696122 · EVP, Treasury and Servicing

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 36,674

Underlying: Common Stock, par value $0.01 per share · 113,636 shares

Expires not disclosed

F1 · derivative.exercise_price: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

F1 · kind: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

F1 · price: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

F2 · derivative.exercise_date: Not applicable

F2 · derivative.expiration_date: Not applicable

SEC source: 0001104659-25-019158 · tm257850-3_4seq1.xml · derivative · entry 5

Natalone John · CIK 0001696122 · EVP, Treasury and Servicing

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 150,310

Underlying: Common Stock, par value $0.01 per share · 113,636 shares

Expires not disclosed

F1 · derivative.exercise_price: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

F1 · kind: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

F1 · price: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

F2 · derivative.exercise_date: Not applicable

F2 · derivative.expiration_date: Not applicable

SEC source: 0001104659-25-019158 · tm257850-3_4seq1.xml · nonDerivative · entry 2

Natalone John · CIK 0001696122 · EVP, Treasury and Servicing

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 36,674

F1 · kind: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

F1 · price: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

SEC source: 0001104659-25-019158 · tm257850-3_4seq1.xml · nonDerivative · entry 1

Natalone John · CIK 0001696122 · EVP, Treasury and Servicing

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 150,310

F1 · kind: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

F1 · price: On February 26, 2025, Arbor Commercial Mortgage, LLC ("ACM") distributed 113,636 Partnership Common Units and Special Voting Preferred Stock valued at $1,500,000 to the reporting person for a portion of their membership interest in ACM. The fair value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of Arbor Realty Trust, Inc. ("the Company") from February 11, 2025 through February 25, 2025 of $13.20 per share. In addition the Company redeemed such distributed shares from the reporting person for cash totalling approximately $1.5 million, which was based on the same $13.20 fair market value described above.

SEC source: 0001104659-24-126319 · tm2430284-1_4seq1.xml · nonDerivative · entry 2

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 178,797

SEC source: 0001104659-24-126319 · tm2430284-1_4seq1.xml · nonDerivative · entry 1

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 173,539

SEC source: 0001104659-24-124601 · tm2429905-1_4seq1.xml · derivative · entry 1

LAZAR MELVIN F · CIK 0001218403 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 22,708

Underlying: Common Stock, par value $0.01 per share · 641 shares

Expires not disclosed

F1 · derivative.exercise_price: On November 27, 2024, Mr. Lazar received 641 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on November 27, 2024. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On November 27, 2024, Mr. Lazar received 641 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on November 27, 2024. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On November 27, 2024, Mr. Lazar received 641 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on November 27, 2024. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On November 27, 2024, Mr. Lazar received 641 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on November 27, 2024. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-24-124607 · tm2429905-2_4seq1.xml · derivative · entry 1

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 31,378

Underlying: Common Stock, par value $0.01 per share · 886 shares

Expires not disclosed

F1 · derivative.exercise_price: On November 27, 2024, Mr. Green received 886 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on November 27, 2024. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On November 27, 2024, Mr. Green received 886 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on November 27, 2024. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On November 27, 2024, Mr. Green received 886 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on November 27, 2024. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On November 27, 2024, Mr. Green received 886 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on November 27, 2024. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-24-115868 · tm2427876-1_4seq1.xml · derivative · entry 6

MARTELLO JOSEPH · CIK 0001285194 · Director

10b5-1 filing: No plan indicated

Ownership: Indirect · By: The Living Trust of Maria Martello

Disclosed balance after: 82,902

Underlying: Common Stock, par value $0.01 per share · 82,902 shares

Expires not disclosed

F3 · derivative.exercise_price: Not applicable.

F1 · kind: Mr. Martello has assigned and transfered his indirect interest in 82,902 shares of Special Voting Preferred Stock and Partnership Common Units held by The Living Trust of Joseph Martello to The Living Trust of Maria Martello, a trust set up by his spouse, for no consideration.

F3 · derivative.exercise_date: Not applicable.

F3 · derivative.expiration_date: Not applicable.

SEC source: 0001104659-24-115868 · tm2427876-1_4seq1.xml · derivative · entry 5

MARTELLO JOSEPH · CIK 0001285194 · Director

10b5-1 filing: No plan indicated

Ownership: Indirect · By: The Living Trust of Joseph Martello

Disclosed balance after: 0

Underlying: Common Stock, par value $0.01 per share · 82,902 shares

Expires not disclosed

F3 · derivative.exercise_price: Not applicable.

F1 · kind: Mr. Martello has assigned and transfered his indirect interest in 82,902 shares of Special Voting Preferred Stock and Partnership Common Units held by The Living Trust of Joseph Martello to The Living Trust of Maria Martello, a trust set up by his spouse, for no consideration.

F3 · derivative.exercise_date: Not applicable.

F3 · derivative.expiration_date: Not applicable.

SEC source: 0001104659-24-115868 · tm2427876-1_4seq1.xml · nonDerivative · entry 2

MARTELLO JOSEPH · CIK 0001285194 · Director

10b5-1 filing: No plan indicated

Ownership: Indirect · By: The Living Trust of Maria Martello

Disclosed balance after: 82,902

F1 · kind: Mr. Martello has assigned and transfered his indirect interest in 82,902 shares of Special Voting Preferred Stock and Partnership Common Units held by The Living Trust of Joseph Martello to The Living Trust of Maria Martello, a trust set up by his spouse, for no consideration.

SEC source: 0001104659-24-115868 · tm2427876-1_4seq1.xml · nonDerivative · entry 1

MARTELLO JOSEPH · CIK 0001285194 · Director

10b5-1 filing: No plan indicated

Ownership: Indirect · By: The Living Trust of Joseph Martello

Disclosed balance after: 0

F1 · kind: Mr. Martello has assigned and transfered his indirect interest in 82,902 shares of Special Voting Preferred Stock and Partnership Common Units held by The Living Trust of Joseph Martello to The Living Trust of Maria Martello, a trust set up by his spouse, for no consideration.

SEC source: 0001104659-24-097757 · tm2423268-4_4seq1.xml · nonDerivative · entry 2

Friedman David Erwin · CIK 0002022853 · CCO & Head of Non-Agcy Prod

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 67,511

SEC source: 0001104659-24-097757 · tm2423268-4_4seq1.xml · nonDerivative · entry 1

Friedman David Erwin · CIK 0002022853 · CCO & Head of Non-Agcy Prod

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 65,911

SEC source: 0001104659-24-097403 · tm2423268-3_4seq1.xml · nonDerivative · entry 4

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 173,528

SEC source: 0001104659-24-097403 · tm2423268-3_4seq1.xml · nonDerivative · entry 3

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 173,028

SEC source: 0001104659-24-097403 · tm2423268-3_4seq1.xml · nonDerivative · entry 2

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 172,283

SEC source: 0001104659-24-097403 · tm2423268-3_4seq1.xml · nonDerivative · entry 1

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 167,783

SEC source: 0001104659-24-096914 · tm2423268-2_4seq1.xml · derivative · entry 1

LAZAR MELVIN F · CIK 0001218403 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 22,067

Underlying: Common Stock, par value $0.01 per share · 676 shares

Expires not disclosed

F1 · derivative.exercise_price: On August 30, 2024, Mr. Lazar received 676 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on August 30, 2024. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On August 30, 2024, Mr. Lazar received 676 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on August 30, 2024. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On August 30, 2024, Mr. Lazar received 676 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on August 30, 2024. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On August 30, 2024, Mr. Lazar received 676 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on August 30, 2024. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-24-096911 · tm2423268-1_4seq1.xml · derivative · entry 1

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 30,492

Underlying: Common Stock, par value $0.01 per share · 934 shares

Expires not disclosed

F1 · derivative.exercise_price: On August 30, 2024, Mr. Green received 934 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on August 30, 2024. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On August 30, 2024, Mr. Green received 934 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on August 30, 2024. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On August 30, 2024, Mr. Green received 934 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on August 30, 2024. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On August 30, 2024, Mr. Green received 934 fully vested RSUs of the Company in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on August 30, 2024. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-24-083988 · tm2420462-1_4seq1.xml · nonDerivative · entry 1

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,609,142

F1 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-24-077369 · tm2418745-1_4seq1.xml · derivative · entry 2

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Indirect · By Arbor Commercial Mortgage, LLC

Disclosed balance after: 10,597,566

Underlying: Common Stock, par value $0.01 per share · 17,519 shares

Expires not disclosed

F1 · derivative.exercise_price: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

F1 · kind: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

F1 · price: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

F3 · derivative.exercise_date: Not applicable.

F3 · derivative.expiration_date: Not applicable.

F2 · balance_after: Mr. Kaufman disclaims beneficial ownership of these shares, except to the extent of his pecuniary interest therein.

SEC source: 0001104659-24-077369 · tm2418745-1_4seq1.xml · nonDerivative · entry 1

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Indirect · By Arbor Commercial Mortgage, LLC

Disclosed balance after: 10,597,566

F1 · kind: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

F1 · price: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

F2 · balance_after: Mr. Kaufman disclaims beneficial ownership of these shares, except to the extent of his pecuniary interest therein.

SEC source: 0001104659-24-077373 · tm2418745-2_4seq1.xml · derivative · entry 2

ARBOR COMMERCIAL MORTGAGE LLC · CIK 0001285910 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 10,597,566

Underlying: Common Stock, par value $0.01 per share · 17,519 shares

Expires not disclosed

F1 · derivative.exercise_price: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

F1 · kind: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

F1 · price: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

F2 · derivative.exercise_date: Not applicable.

F2 · derivative.expiration_date: Not applicable.

SEC source: 0001104659-24-077373 · tm2418745-2_4seq1.xml · nonDerivative · entry 1

ARBOR COMMERCIAL MORTGAGE LLC · CIK 0001285910 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 10,597,566

F1 · kind: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

F1 · price: On June 30, 2024 Arbor Commercial Mortgage, LLC ("ACM") distributed 17,519 Partnership Common Units ("OP Units") and Special Voting Preferred Stock ("Preferred Shares") valued at approximately $250,000 to one of its members for a portion of the member's membership interest in ACM. The fair market value was determined in accordance with ACM's Operating Agreement, using the average closing stock price of the Company from June 26, 2024 through June 28, 2024, of $14.27 per share.

SEC source: 0001104659-24-070886 · tm2417014-1_4seq1.xml · nonDerivative · entry 4

Friedman David Erwin · CIK 0002022853 · CCO & Head of Non-Agcy Prod

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 65,736