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Signature of
Stockholder Date: Signature of Stockholder Date: Note: Please sign
exactly as your name or names appear on this Proxy. When shares are
held jointly, each holder should sign. When signing as executor,
administrator, attorney, trustee or guardian, please give full
title as such. If the signer is a corporation, please sign full
corporate name by duly authorized officer, giving full title as
such. If signer is a partnership, please sign in partnership name
by authorized person. To change the address on your account, please
check the box at right and indicate your new address in the address
space above. Please note that changes to the registered name(s) on
the account may not be submitted via this method. JOHN SMITH 1234
MAIN STREET APT. 203 NEW YORK, NY 10038 ANNUAL MEETING OF
STOCKHOLDERS OF ARBOR REALTY TRUST, INC. May 18, 2022 PROXY VOTING
INSTRUCTIONS Please detach along perforated line and mail in the
envelope provided IF you are not voting via telephone or the
Internet. THE BOARD OF DIRECTORS RECOMMENDS A VOTE “FOR” ALL
NOMINEES LISTED IN PROPOSAL 1 AND “FOR” PROPOSAL 2. PLEASE SIGN,
DATE AND RETURN PROMPTLY IN THE ENCLOSED ENVELOPE. PLEASE MARK YOUR
VOTE IN BLUE OR BLACK INK AS SHOWN HERE x ------------------
---------------- 00000333030000000000 9 051822 COMPANY NUMBER
ACCOUNT NUMBER NOTICE OF INTERNET AVAILABILITY OF PROXY MATERIAL:
The notice of meeting, proxy statement and proxy card are available
at http://www.arbor.com INTERNET - Access “www.voteproxy.com” and
follow the on-screen instructions or scan the QR code with your
smartphone. Have your proxy card available when you access the web
page. TELEPHONE - Call toll-free 1-800-PROXIES (1-800-776-9437) in
the United States or 1-718-921-8500 from foreign countries and
follow the instructions. Have your proxy card available when you
call. Vote online/phone until 11:59 PM EST the day before the
meeting. MAIL - Sign, date and mail your proxy card in the envelope
provided as soon as possible. VIRTUALLY AT THE MEETING - The
company will be hosting the meeting live via the Internet this
year. To attend the meeting via the Internet, please visit
https://web.lumiagm.com/286720334 (password: arbor2022) and be sure
to have your control number available. GO GREEN - e-Consent makes
it easy to go paperless. With e-Consent, you can quickly access
your proxy materials, statements and other eligible documents
online, while reducing costs, clutter and paper waste. Enroll today
via www.astfinancial.com to enjoy online access. The Board of
Directors recommends a vote FOR all nominees listed in Proposal 1.
Proposal 1. Election of directors to serve on the Board of
Directors of Arbor Realty Trust, Inc. NOMINEES: 1a. Caryn Effron
1b. Joseph Martello 1c. Edward Farrell The Board of Directors
recommends a vote FOR Proposal 2. Proposal 2. Ratification of the
appointment of Ernst & Young LLP as the independent registered
public accounting firm of Arbor Realty Trust, Inc. for 2022.
Proposal 3. To vote and otherwise represent the undersigned on any
other matter that properly comes before the meeting or any
adjournment or postponement thereof in the discretion of the proxy
holder. FOR AGAINST ABSTAIN Signature of Stockholder Date:
Signature of Stockholder Date:Note: Please sign exactly as your
name or names appear on this Proxy. When shares are held jointly,
each holder should sign. When signing as executor, administrator,
attorney, trustee or guardian, please give fulltitle as such. If
the signer is a corporation, please sign full corporate name by
duly authorized officer, giving full title as such. If signer is a
partnership, please sign in partnership name by authorized
person.To change the address on your account, please check the box
at right andindicate your new address in the address space above.
Please note thatchanges to the registered name(s) on the account
may not be submitted viathis method.JOHN SMITH1234 MAIN STREETAPT.
203NEW YORK, NY 10038ANNUAL MEETING OF STOCKHOLDERS OFARBOR REALTY
TRUST, INC.May 18, 2022PROXY VOTING INSTRUCTIONSPlease detach along
perforated line and mail in the envelope provided IF you are not
voting via telephone or the Internet.THE BOARD OF DIRECTORS
RECOMMENDS A VOTE “FOR” ALL NOMINEES LISTED IN PROPOSAL 1AND “FOR”
PROPOSAL 2.PLEASE SIGN, DATE AND RETURN PROMPTLY IN THE ENCLOSED
ENVELOPE. PLEASE MARK YOUR VOTE IN BLUE OR BLACK INK AS SHOWN HERE
x------------------ ----------------00000333030000000000 9
051822COMPANY NUMBERACCOUNT NUMBERNOTICE OF INTERNET AVAILABILITY
OF PROXY MATERIAL:The notice of meeting, proxy statement and proxy
cardare available at http://www.arbor.comINTERNET - Access
“www.voteproxy.com” and follow the on-screeninstructions or scan
the QR code with your smartphone. Have your proxycard available
when you access the web page.TELEPHONE - Call toll-free
1-800-PROXIES (1-800-776-9437) in theUnited States or
1-718-921-8500 from foreign countries and follow theinstructions.
Have your proxy card available when you call.Vote online/phone
until 11:59 PM EST the day before the meeting.MAIL - Sign, date and
mail your proxy card in the envelope provided assoon as
possible.VIRTUALLY AT THE MEETING - The company will be hosting the
meetinglive via the Internet this year. To attend the meeting via
the Internet,please visit https://web.lumiagm.com/286720334
(password: arbor2022)and be sure to have your control number
available.GO GREEN - e-Consent makes it easy to go paperless. With
e-Consent,you can quickly access your proxy materials, statements
and other eligibledocuments online, while reducing costs, clutter
and paper waste. Enrolltoday via www.astfinancial.com to enjoy
online access.The Board of Directors recommends a vote FOR all
nominees listed in Proposal 1.Proposal 1. Election of directors to
serve on the Board of Directors of Arbor Realty Trust,
Inc.NOMINEES:1a. Caryn Effron1b. Joseph Martello1c. Edward
FarrellThe Board of Directors recommends a vote FOR Proposal
2.Proposal 2. Ratification of the appointment of Ernst & Young
LLP as theindependent registered public accounting firm of Arbor
RealtyTrust, Inc. for 2022.Proposal 3. To vote and otherwise
represent the undersigned on any other matterthat properly comes
before the meeting or any adjournment or postponementthereof in the
discretion of the proxy holder.FOR AGAINST ABSTAIN
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