X0609 4 2026-08-28 0 0001253986 ARBOR REALTY TRUST INC ABR 0001204117 BACON KENNETH J false C/O ARBOR REALTY TRUST, INC. 333 EARLE OVINGTON BLVD, SUITE 900 UNIONDALE NY 11553 1 0 0 0 0 Restricted Stock Units 2026-08-28 4 A 0 379 5.02 A Common Stock, par value $0.01 per share 379 36224 D On August 28, 2026, Mr. Bacon received 379 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. in lieu of the dividend equivalent due on the portion of Mr. Bacon's existing RSUs in which he made such election. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election. /s/ John Bishar, Attomey-in-Fact for Kenneth J. Bacon 2026-09-01