Arbor Realty Trust (ABR) investor relations material

Opening remarks and agenda

• Meeting conducted virtually with the CFO chairing in the absence of the CEO.

• Directors and committee chairs were introduced, and meeting procedures were outlined.

• Notice of meeting and record date confirmed, with quorum established.

Board and executive committee updates

• Four Class II directors nominated for election to serve three-year terms until 2029.

• Board unanimously recommended approval of all proposals.

Shareholder proposals

• Election of four Class II directors for three-year terms.

• Amendment and restatement of the 2024 Omnibus Stock Incentive Plan to add 8 million shares and extend the plan to 2036.

• Ratification of Ernst & Young LLP as independent auditors for fiscal 2026.

• Advisory vote to approve executive compensation.