Form 4 Filing for Kenneth J. Bacon

Kenneth J. Bacon, a director at Arbor Realty Trust Inc., has been granted 6,029 Restricted Stock Units (RSUs) valued at $3.94 per share. This grant, effective September 30, 2026, is in lieu of his cash compensation for director services. The RSUs are fully vested and were issued under the company's director deferred compensation plan. Mr. Bacon had elected to defer his cash compensation earned in 2026 until January 2028, or sooner in the event of a change in control or termination of his services. Following this transaction, Mr. Bacon holds a total of 42,253 shares. The filing was signed by John Bishar as Attorney-in-Fact for Mr. Bacon on October 1, 2026.