X0609 4 2026-08-05 0 0001253986 ARBOR REALTY TRUST INC ABR 0001696122 Natalone John false C/O ARBOR REALTY TRUST, INC. 333 EARLE OVINGTON BLVD., SUITE 900 UNIONDALE NY 11553 1 1 0 0 EVP 0 Special Voting Preferred Stock, par value $0.01 per share 2026-08-05 4 S 0 375000 D 327335 I By: The KFT 2018 NY Trust Special Voting Preferred Stock, par value $0.01 per share 36674 D Special Voting Preferred Stock, par value $0.01 per share 3000000 I By: The KFT DT LLC Partnership Common Units 2026-08-05 4 S 0 375000 D 2026-08-05 Common Stock, par value $0.01 per share 375000 327335 I By: The KFT 2018 NY Trust Partnership Common Units Common Stock, par value $0.01 per share 36674 36674 D Partnership Common Units Common Stock, par value $0.01 per share 3000000 3000000 I By: The KFT DT LLC On August 5, 2026, Arbor Realty Trust, Inc.'s Chief Executive Officer, Ivan Kaufman, purchased 375,000 Partnership Common Units and Special Voting Preferred Stock with a fair value of approximately $1.9 million from this trust that was set up for estate planning purposes and administered by an independent trustee. The trustee of the trust engaged an external third party valuation firm to assist the trust in deriving the fair market value, which was determined to be $5.17 per share. These estate planning vehicles were set up for the benefit of the immediate family of Mr. Kaufman. Mr. Natalone has voting and investment power of these vehicles and disclaims beneficial ownership over these securities. Not applicable. /s/ John Bishar, Attorney-in-Fact for John Natalone 2026-08-05