Arbor Businesses Presentation

ARBOR.COM • 1.800.ARBOR.10

The Arbor Companies Growing Financial Partnerships

As of 11/17/2014

This document has been provided on the basis that the recipient will treat it as confidential. By accepting this document, the recipient acknowledges and agrees to the following:

!✓ Any information contained herein is to be treated as confidential and may

not be divulged to any other party without the prior written approval of Arbor Commercial Mortgage, LLC, Arbor Realty Trust, Inc., Arbor Residential Mortgage, LLC; AMS Servicing, LLC; and their affiliates and/or subsidiaries.

!✓ The information has been developed in order to assist interested parties in

understanding Arbor Commercial Mortgage, LLC, Arbor Realty Trust, Inc., Arbor Residential Mortgage, LLC; AMS Servicing, LLC; and their affiliates and/or subsidiaries and does not claim to be an all-inclusive document. !

✓ The information presented herein will not be legally binding.

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Confidentiality Notice


Arbor Businesses 4 Arbor’s Established Corporate History 5

Arbor Company Ownership Organization Chart 6

Corporate Organizational Chart 7 Arbor Office Locations 8 Where We Do Business 9

Top 10 Fannie Mae Lender 10 ACM’s Dedicated FHA Platform 11 CMBS Program 12 Freddie Mac 13 Seniors Housing & Healthcare Lending 14 In-House Servicing 15 Arbor Realty Trust (ART) 16 Executive Bios 17-26 Corporate Highlights 27 For More Information 28

Table of Contents

3ARBOR.COM • 1.800.ARBOR.10

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The Arbor Businesses

Arbor Realty Trust, Inc. (NYSE: ABR) A publicly-traded leading real estate investment trust that invests in a diversified portfolio of multifamily and commercial real estate-related bridge and mezzanine loans, preferred equity investments and other real estate-related assets.

Arbor Commercial Mortgage, LLC (ACM)A national direct lender specializing in the origination of debt financing and servicing for multifamily and other diverse commercial real estate assets. ACM is a Top 10 Fannie Mae DUS® Multifamily Lender.


Arbor National Holdings, Inc. and its premier lending subsidiary, Arbor National Mortgage, is founded by Ivan Kaufman. The company ultimately grows to greater than 1,200 employees in eight states19

83

Arbor National Mortgage goes public under the name Arbor National Holdings IPO ($9.00 per share)19

92 2003

2003

ACM Servicing is rated as a primary and special servicer by Standard & Poor’s !Arbor Realty Trust begins operations as a commercial mortgage REIT

2004 Arbor Realty Trust completes IPO

($20.00 per share) NYSE:ABR

ACM named a Top 10 Fannie Mae DUS® Multifamily Lender for 7th year in a row ABR closes second CLO for $260M Arbor partners in a joint venture of Cardinal Financial Company- Sebonic Financial, an online residential mortgage business

2013

Arbor Residential Mortgage is formed !Loan Servicing Solutions is acquired and AMS Servicing is established20

08

2 0 1 4

Arbor forms a joint venture partnership with GSO Capital partners, LP and EJF Capital, LLC to acquire AMS Servicing and establish Seneca Mortgage Investments, a residential mortgage servicing rights investor. !ABR closes third CLO for $375M !ACM is rated as an Above Average commercial primary and special servicer by Standard & Poor’s. !ACM receives its Freddie Mac Program Plus® Seller/Servicer designation and becomes one of three lenders to offer the National Freddie Mac Small Balance Loan product.

Arbor Commercial Mortgage “ACM” is established as the commercial real estate finance subsidiary of Arbor National Holdings19

9319

95 -

200

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Arbor National Holdings is sold to Bank of America for $17.50 per share; Ivan Kaufman retains commercial finance arm of the platform, leading to the following: !• Structured finance platform launched

with ACM quickly becoming one of nation’s leading structured finance companies and eventually Arbor Realty Trust

• ACM becomes Fannie Mae DUS ® lender, FHA MAP lender and Ginnie Mae Issuer

ABR closes three collateralized debt obligations “CDOs” totaling $1.560M

2005

-06

Elon Property Management is formed !ACM Servicing is rated as a primary and special servicer by Fitch Ratings

2011

ABR is first commercial mortgage REIT to access securitization market post 2008 recession with a collateralized loan obligation (CLO) for $125M AMAC Holdings, LLC multifamily acquisition company is formed

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Arbor’s Established Corporate History

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Arbor Company Ownership Organization Chart

Arbor

!Arbor Realty Trust, Inc. (NYSE: ABR) Publicly traded real estate investment trust

that invests in a diversified portfolio of multifamily and commercial real estate

related bridge and mezzanine loans, preferred equity investments, mortgage related securities and other real estate related assets *Externally managed and advised by Arbor Commercial Mortgage

Arbor Commercial Mortgage, LLC Privately held national direct lender that originates and services multifamily and commercial real estate loans *External

manager and adviser of Arbor Realty Trust

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Office Locations

Arbor Realty Trust – New York, NY

Arbor Commercial Mortgage – Uniondale, NY

HEADQUARTER LOCATIONS

Uniondale

SALES OFFICES

Boston, MA

Cleveland, OH

Dallas, TX

Englewood Cliffs, NJ

Los Angeles, CA

New York, NY

Detroit, MI

ID

AZ

UT

MT

WY

NM

CO

ALL

FL

SC

TN

KY

INOH

NC

SD

KS

NE

MN

WI

IA

IL

MO

AR

MS

OK

ND

OR

CA

NV

WA

TX

AK

WY

PA

ME

VA

NY

LA

GA

VT

HI

MD NJ

CT

NHMI MA

DE

Baltimore, MD

AL

Uniondale, NY

San Francisco, CA

• Manufactured Housing • Multifamily Affordable Housing (MAH) • Small Loans • Standard DUS® • Student Housing • Supplemental Loans • Tax-Exempt Bond Credit Enhancement

• Adjustable Rate Mortgage • Adjustable Rate Mortgage 7-6TM • Choice RefiTM and Refi PlusTM

• Cooperative Apartment Financing • DUS® Plus • Early/Extended Rate Lock • LIHTC Project Financing

Fannie Mae DUS®

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Our vast array of Fannie Mae DUS® products for multifamily projects includes:

Top 10 Fannie Mae Lender

As a Top 10 Fannie Mae DUS® Multifamily and Top Small Loan Lender, Arbor’s product diversity and first-class customer service set us apart from our competition and help us provide an array of lending options to meet the individual needs of our borrowers.


FHA

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• 223(f): Refinancing or acquisition of existing multifamily properties

• 223(a)(7): Refinance, acquisition or moderate renovation of multifamily properties or healthcare facilities that currently have HUD-insured debt

• 232: Combined construction and permanent financing for seniors/healthcare facilities (assisted living, congregate care)

• 232/223(f): Refinance or acquisition of existing seniors/healthcare facilities

• 221(d)(4): New construction or substantial rehabilitation

• 231: Construction and permanent financing for new or substantial rehabilitation of existing rental property for seniors only

• 213: Construction, substantial rehabilitation and purchase of cooperative housing

ACM’s Dedicated FHA Platform

Arbor recently expanded its Federal Housing Administration (FHA) platform which is strategically positioned to increase its origination volume through a dedicated commitment of financial and staffing resources in order to better serve Multifamily borrowers. ACM’s enhanced FHA platform includes the development of Arbor’s FHA origination and underwriting teams on a regional basis. As an approved FHA Multifamily Accelerated Processing (MAP) Lender, Arbor provides borrowers access to all FHA-insured Multifamily, Seniors Living and Healthcare Facility loan programs on an expedited basis. Arbor provides FHA-insured, long-term, fixed-rate financing for new construction, substantial rehabilitation, acquisition, refinance, energy-efficient upgrades and green energy retrofitting of multifamily projects nationwide.

Our FHA mortgage insurance programs include:


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CMBS Program

Arbor’s CMBS expertise and experience has allowed us to build a loan platform for our borrowers with unique agility, flexibility and, above all, personalization.

Unique Arbor Advantages:

• Maximized Leverage • Rapid Execution Non-recourse • Personalized Benefits of Working with a

True Relationship • Flexible Options

Products:

• CMBS Loans • Bridge-to-Permanent CMBS Loans • Mezzanine • Preferred Equity

CMBS

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Freddie Mac Program Plus®

Whether you need a small or large loan, Arbor’s customized, flexible and, above all, personalized Freddie Mac Program Plus platform can provide the innovative multifamily financing you need to take advantage of today’s dynamic market, including such unique features as interest-only provisions and an ability to work beyond your transactional or operational obstacles to close the loan that works best for your investment. It’s the best of Freddie Mac enhanced with the Arbor advantage.

Unique Arbor Advantages:

• Expert In-Housing Servicing • Personalized Benefits of Working with a

True Relationship Lender • Deal Customization • Transactional Flexibility • Local Market Expertise

Products ($1M Deals & Above):

• Acquisitions • Refinancings • Small Loans • Conventional Structured Transactions • Fixed-Rate Mortgages • Floating-Rate Mortgages • Freddie Mac Student Housing Mortgages • Supplemental Mortgages • Co-Op Loans • Early Rate Lock • Fast Track Early Rate Lock • Index Lock

Freddie Mac

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Seniors Housing & Healthcare LendingUses:

• Refinance of existing conventional debt • Acquisition of facilities • Facility expansion — moderate to

substantial rehabilitation • New construction

Programs: • FHA 232 Pursuant to 223(f) Program: Refinance or acquisition of existing seniors/healthcare

facilities • FHA 223(a)(7) Program: Refinance, acquisition or moderate renovation of multifamily properties or

healthcare facilities that currently have HUD-insured debt

• FHA 232 Program: Combined construction and permanent financing for seniors/healthcare facilities

(assisted living, congregate care)

• FHA 241 Program: Healthcare improvements and additions

Eligible Property Types: • Skilled Nursing & Rehabilitation Centers • Long-Term Care Facilities • Assisted Living • Alzheimer’s Care/Memory Care Facilities

Benefits: • Long term – up to 35 years for refinance, 40 years

for new construction • Higher leverage – up to 80% loan to value • Fixed rate for the life of the loan • Non-recourse, fully amortizing financing

• Assumable with HUD and Arbor approval • Property improvement or repair can be

included in the mortgage up to 80% LTV • Closing costs are financeable up to 80% LTV

“”

Everyone communicated very well. Thank you for

this servicing call. It makes things a lot easier

and I appreciate it.

“”

Overall everything went really great. I will

continue to do business with Arbor.

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Once a loan closes, it transitions to Arbor’s tenured, in-house servicing team, which currently oversees a multi-billion-dollar portfolio of commercial real estate loans, including multifamily, retail, hospitality and office properties.

In-House Servicing


LOAN

• Provides Primary Servicing for a nationwide portfolio of more than 2,000 real estate loans for a multitude of investors, including Fannie Mae, institutional entities, Wall Street firms, private mortgage holders and affiliates.

• Highly tenured servicing management team has an average of 27 years of experience and a proven history of success in managing diverse investor portfolios in all market cycles.

• Low loan-to-portfolio manager ratio of 75:1 allows for in-depth knowledge of specific loan characteristics, performance trends and strength in analyzing project performance.

• Portfolio volume has grown from $1.3 billion in May 2001 to more than $11.0 billion as of Dec. 31, 2014.

• Rated by Standard & Poor’s and Fitch Ratings as a third-party Primary and Special Servicer for commercial real estate loans.

• Commended by Fannie Mae for Servicing Best Practices.

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Arbor Realty Trust (ART) About Arbor Realty Trust

A publicly traded REIT (NYSE: ABR) that invests in a diversified portfolio of multifamily and commercial real estate-related bridge and mezzanine loans, preferred equity investments, mortgage-related securities and other real estate-related assets. !Arbor’s Structured Finance Group specializes in developing capital solutions for borrowers with complex real estate transactions. The company builds long-term client relationships with a results-oriented approach that produces creative and flexible solutions swiftly and efficiently.

Bridge Financing Arbor’s Bridge Loan product offers commercial real estate investors the opportunity to leverage short-term financing benefits without compromising their long-term ROI. The program offers interim financing through Arbor Realty Trust, with a permanent loan take-out provided by Arbor Commercial Mortgage. Mezzanine Financing Arbor’s mezzanine product gives owners access to greater proceeds than available through conventional financing options and can be used in conjunction with new or existing senior mortgage financing. Preferred EquityArbor’s preferred equity product provides owners with the ability to access built-up equity in their properties on a tax-free basis. The product is used in conjunctions with existing loan financing. RMBS Purchase of residential mortgage securities producing levered returns of more than 20%.


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Ivan Kaufman has extensive experience operating a diverse array of multifamily, commercial and residential real estate finance companies that spans beyond three decades and numerous real estate cycles. He is currently the Chairman, President and CEO of Arbor Realty Trust (NYSE:ABR), a commercial real estate finance investment company that became publicly traded in April 2004. He is also the Founder, Chairman and CEO of Arbor Commercial Mortgage, LLC, a leading multifamily real estate lender; and Managing Member of AMAC Manager, LLC, the external manager of AMAC Holdings LLC, a multifamily real estate investment company. In addition, Mr. Kaufman is the Chairman and CEO of Arbor Residential Mortgage, LLC, an experienced investor in residential real estate-based enterprises; and a member of the board of directors for Seneca Mortgage Investments, a residential mortgage servicing rights investor. !Arbor and its various affiliated companies have experienced significant success through various real estate cycles. The foundation for the present-day Arbor was established in 1983, when Mr. Kaufman founded Arbor National Holdings, Inc. to initially focus on the origination and servicing of residential mortgage loans. Arbor National Holdings expanded its focus over time and ultimately grew to operate as a fully integrated real estate financing services company providing financing solutions through not only residential mortgage loans, but commercial real estate mezzanine loans, bridge loans and other customized financing structures. Arbor National Holdings grew rapidly to 25 branches in 11 states with approximately 1,000 employees and an annual origination volume of $4 billion. The company became the leading provider of residential mortgage loans in the New York tri-state region, transitioned to a public company in 1992 at $9 per share before being sold to Bank of America for $19.50 per share. As part of the transaction, Mr. Kaufman retained the commercial side of the business and the Arbor name, creating the platform for Arbor Commercial Mortgage and, eventually, Arbor Realty Trust. Today, Arbor Commercial Mortgage is a Top 10 Fannie Mae DUS® Multifamily lender and a leading FHA Multifamily mortgage insurance provider. Arbor Commercial Mortgage is also the external manager of Arbor Realty Trust and is a primary commercial loan servicer and special servicer rated by Fitch Ratings and Standard & Poor’s. Arbor is also on the Standard & Poor’s Select Servicer List. With long-standing residential expertise, Mr. Kaufman re-entered that market in 2008 by forming Arbor Residential Mortgage, LLC, which invest in single-family residential real estate-related enterprises. He later acquired AMS Servicing, a national prime and specialty residential servicer focused on the optimization of high-risk real estate portfolio performance as well as component servicing.

Chairman and CEO Arbor Realty Trust, Inc. Arbor Commercial Mortgage, LLC

Ivan KaufmanBack to INDEX

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In 2013, Arbor formed a joint venture partnership with GSO Capital partners, LP and EJF Capital, LLC to acquire AMS Servicing and establish Seneca Mortgage Investments, a residential mortgage servicing rights investor. Also in 2013, Mr. Kaufman returned to residential mortgage origination business, and this time within the e-commerce sector by leading Arbor Residential Mortgage into a joint venture that acquired Cardinal Financial Company and subsequently formed Sebonic Financial, an online residential mortgage lending platform. Mr. Kaufman’s other related businesses include multifamily property management under Elon Property Management, a full-service multifamily property management firm formed in 2011. In addition, in 2013 Mr. Kaufman also invested in and established Arbor Multifamily Acquisition Company (AMAC) Management, which controls and oversees AMAC Holdings, a multifamily real estate investment company. Mr. Kaufman has served as the Chair of the Independent Judicial Election Qualification Commission for the 10th Judicial District of New York, an appointed position that oversees the screening process for candidates seeking elective judicial office. In addition, he has served on the National and Regional Advisory Boards of Fannie Mae and on the Board of Directors of the Empire State Mortgage Bankers Association. He was previously named regional “Entrepreneur of the Year” by Inc. Magazine for his outstanding achievements in financial services. Mr. Kaufman also served as a regional spokesperson for Global ReLeaf, a program of the American Forestry Association, which led to his appointment as delegate of the International Arid Lands Consortium. He has guest lectured at Harvard Business School’s Real Estate Club and is a featured presenter at Columbia University and Wharton Business School. Mr. Kaufman is a dedicated community leader, serving as Founder and President of the North Shore Hebrew Academy High School, a state-of-the-art, 11-acre academy now regarded as one of the premier college preparatory schools in the Northeast. In addition, he has served on the Board of Trustees of The Birthright Israel Foundation. Mr. Kaufman earned a J.D. from Hofstra University School of Law and a B.A. in Business Administration from Boston University.

Chairman and CEO Arbor Realty Trust, Inc. Arbor Commercial Mortgage, LLC

Ivan Kaufman continuedBack to INDEX

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!!!!As Chief Financial Officer, Mr. Elenio is responsible for overseeing all aspects of Arbor Commercial Mortgage and Arbor Realty Trust’s financial operations. This includes financial reporting, tax planning, budgeting and the appropriate utilization of Arbor’s capital. He is also in charge of Investor Relations for Arbor Realty Trust. Mr. Elenio joined Arbor National Holdings, the predecessor company of Arbor Realty Trust's external manager, Arbor Commercial Mortgage, in 1991. As the Financial Reporting and Tax Supervisor, he was involved in Arbor National Holding’s 1992 Initial Public Offering. In 1995, he was promoted to Vice President, Controller, and in 2002 he assumed the position of Vice President of Finance. In that role, he implemented the necessary financial planning and analysis required to successfully transition Arbor Realty Trust to a public company in April 2004. He was named Senior Vice President of Finance shortly thereafter. Prior to joining Arbor, Mr. Elenio was employed with Ernst & Young from 1989 to 1990 in the auditing department. He graduated Cum Laude with a Bachelor of Business Administration degree in Accounting from St. Bonaventure University. Mr. Elenio is a member of Arbor Realty Trust’s Loan and Risk Management Committees and is a member of the National Association of Real Estate Investment Trusts.

Chief Financial Officer Arbor Realty Trust, Inc. Arbor Commercial Mortgage, LLC

Paul ElenioBack to INDEX

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!!!!!John Caulfield is the Chief Operating Officer of Uniondale, NY-based Arbor Commercial Mortgage, LLC and is responsible for managing the overall production of Arbor's national sales force and overseeing the implementation of the company's integrated sales and marketing efforts. Mr. Caulfield is also responsible for all capital market activities relating to all of Arbor's lending products as well as the oversight of Arbor’s loan servicing portfolio and collaboration and engagement with Arbor’s valued business partner, Fannie Mae. In addition, Mr. Caulfield oversees the management of Arbor’s trading and investment banking partnerships and the operations functions of Arbor's pipeline, from screening through closing. He directs the seamless execution of Arbor’s deals by ensuring that all disciplines involved in a transaction are in constant communication and are working with the most current data available.

Chief Operating Officer Arbor Commercial Mortgage, LLC

John G. CaulfieldBack to INDEX

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!!!!!Mr. Bishar is responsible for all legal activities relating to Arbor’s business, including corporate matters, real estate transactions, litigation and all other legal issues. He also manages Arbor’s outside legal counsel in connection with the asset management of the loan portfolio and various litigation matters. In addition to his duties as General Counsel, Mr. Bishar has served as a director on the board of Arbor Realty Trust since April 2007.Mr. Bishar brings more than 30 years of legal expertise to the Arbor companies. He is also currently a member of the Touro School of Law’s Board of Governors. He has also served as the U.S. General Counsel of National Grid U.S.A., one of the largest distributors of electricity and natural gas in the Northeast U.S.In addition, Mr. Bishar has also served as Executive Vice President, General Counsel and Chief Governance Officer of KeySpan Corporation before the company’s merger with National Grid. Before joining KeySpan, he was a partner in the law firm of Cullen and Dykman LLP, serving as Managing Partner from 1993-2002 and as a member of the firm’s executive committee.Mr. Bishar is a graduate of Georgetown University and Fordham University School of Law. He currently serves on the board of directors of the Long Island YMCA.

Executive Vice President, General Counsel Arbor Commercial Mortgage, LLC

John BisharBack to INDEX

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!! !Ms. Habyan joined Arbor in May 2004 and is responsible for overseeing all of the aspects of marketing for the Arbor family of companies. As the head of the marketing department, Ms. Habyan is responsible for executing and overseeing the comprehensive and integrated national marketing strategies for the Arbor family of companies and handling all of the internal and external communications for the company. She also works directly with the national sales team to execute new business development strategies and directs Arbor’s various corporate marketing, branding and advertising initiatives. In addition, she oversees all of Arbor’s Compliance initiatives, works closely with Investor Relations and handles all of the financial media relations for Arbor Realty Trust. Before joining Arbor, Ms. Habyan was a spokesperson for KeySpan Corporation in Hicksville and oversaw the financial communications for the company. Ms. Habyan is a graduate of Women's Unlimited, a nationwide management development program, and has twice been honored by Long Island Business News with the Long Island Top 50 Women in Business Award, which recognizes the most influential women in Long Island business. She has a Bachelor of Arts Degree in Communications from Bethany College, a Masters Degree in Communications from the New York Institute of Technology and a Masters of Business Administration in Banking and Finance from Dowling College.

Executive Vice President, Marketing & Operational Compliance Arbor Realty Trust, Inc. Arbor Commercial Mortgage, LLC

Bonnie HabyanBack to INDEX

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!!!!!Mr. Natalone joined Arbor in 1995 and is responsible for managing all financing and bank relationships. He also oversees Arbor’s Treasury and Servicing Operations. He is a member of Arbor Realty Trust’s Loan Committee and serves on Arbor Commercial Mortgage’s Risk Management Committee. From 1991 to 1995, Mr. Natalone was employed by Arbor National Holdings, Inc. and held the title of Senior Director, Office of the President, where he assisted the President in running various business units.Prior to joining Arbor, Mr. Natalone held positions at GE Mortgage and Ernst & Young. He received a Bachelor of Science in Accounting from Penn State University and is a Certified Public Accountant.

Executive Vice President, Treasury & Servicing Arbor Commercial Mortgage, LLC

John NataloneBack to INDEX

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!! !!Tom Murphy has more than 25 years of professional experience in the information technology field. Prior to joining Arbor, Mr. Murphy was the CIO at Titleserv Inc., an electronic real estate title and settlement services company. He also brings a wealth of IT experience to Arbor from previous positions at Bank America Mortgage, Lending Solutions, Inc., First Boston Capital Group, Lockheed Martin Information Management Systems and IBM Corporation. He returns to Arbor after holding a CIO position in the Company earlier in his career. Mr. Murphy is a graduate of the State University of New York at Binghamton.

Executive Vice President, Chief Technology Officer Arbor Commercial Mortgage, LLC

Tom MurphyBack to INDEX

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!!!!!Mr. Weber leads a team that serves the highly specialized and complex financing needs of clients of both Arbor Realty Trust and Arbor Commercial Mortgage. The group originates, underwrites and implements debt and equity transactions for various asset types and classes of commercial real estate nationwide. With more than 25 years of experience, Mr. Weber has earned a distinguished reputation for professional excellence and leadership in the mortgage banking industry. He has extensive real estate finance and acquisition experience as well as substantial expertise in the restructuring and workouts of troubled loans. Since joining Arbor in May 1999, Mr. Weber has structured in excess of $25 billion of sophisticated real estate and finance transactions. He is chairman of the Loan Committee for Arbor Realty Trust and is a member of the Executive Committees of both Arbor Realty Trust and Arbor Commercial Mortgage. Mr. Weber is a member of the Real Estate Finance Committee of the Real Estate Board of New York, the International Council of Shopping Centers and the Mortgage Bankers Association of New York. He is also a member of the National Association of Real Estate Investment Trusts, the Real Estate Lenders Association, the Urban Land Institute, the Commercial Real Estate Finance Council and the RealShare Structured Finance Advisory Board. He has lectured at the International Council of Shopping Centers and other industry conferences. Before joining Arbor, he was a partner and co-head of the real estate department with Kronish, Lieb, Weiner & Hellman. He was also a partner with the law firm of Weil, Gotshal & Manges.

Executive Vice President, Structured Finance & Principal Transactions Arbor Realty Trust, Inc. Arbor Commercial Mortgage, LLC

Fred WeberBack to INDEX

Corporate Highlights

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Experienced management team with established tenure and track record in the mortgage industry since 1983

History as leading commercial, multifamily and residential mortgage provider

Proven manager of private and public companies

Expertise in all areas of residential and commercial real estate finance in all real estate cycles

Proven success in creating, sustaining and growing real estate -related entities

Seasoned Professionals with a Proven Track Record


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The Arbor Companies are committed to growing financial partnerships with our clients to better serve their unique needs no matter what sector of the real estate market they

invest in.

www.arbor.com

www.arborrealtytrust.com

For more information, please visit:
