Seniors Housing

ARBOR.COM • 1.800.ARBOR.10

Arbor Seniors Housing Presentation May 2015


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

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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 called Sebonic Financial, an online residential mortgage business

Arbor launches Seniors Housing & Healthcare Group

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13

Arbor Residential Mortgage is formed

Loan Servicing Solutions is acquired and AMS Servicing is established20

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2014

2014

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

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2002

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

• ACM becomes Fannie Mae DUS® lender, Pilot Participant in Fannie’s First-Ever Small Loan Program, 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 Ratings20

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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 Background and History

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Arbor launches Seniors Housing & Healthcare Group (FHA/HUD 232)

Arbor enhances Seniors Housing platform with Senior Executives & Supporting Staff

Arbor Closes 1st Seniors Housing Bridge Loan (April 2015)

2015

2015


Current Office Locations

Uniondale

SALES & SUPPORT 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

MDNJ

CT

NHMI MA

DE

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Uniondale, NY

San Francisco, CA

Buffalo, NYDC

Arbor Realty Trust375 Park Avenue, Suite 3401

New York, NY 10152

HEADQUARTER LOCATIONS

Arbor Servicing Office3370 Walden Avenue, Suite 114

Depew, NY 14043

Arbor Commercial Mortgage333 Earle Ovington Blvd., Suite 900

Uniondale, NY 11553

Denver, CO

Oklahoma City, OK

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Arbor’s Diverse Loan Product Portfolio

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Fannie Mae

Freddie Mac

FHABridge

Mezzanine

CMBS

Conventional Loans

Small Balance Loans

Student Housing

Cooperatives

Seniors Housing

Affordable Housing

3. EXECUTIVE LEADERSHIP

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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 four decades and numerous real estate cycles. He is currently the 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 Arbor Multifamily Acquisition Company (AMAC) Management, the external manager of AMAC Holdings, 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 leading provider of direct financing for Multifamily and other commercial real estate properties. Arbor is a Top 10 Fannie Mae DUS ® Multifamily lender, a Freddie Mac Multifamily Program Plus® lender, a leading FHA Multifamily mortgage insurance provider as well as a CMBS, Bridge, Mezzanine and Preferred Equity lender. 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.

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

Chief Financial Officer Paul Elenio has served as the Chief Financial Officer for Arbor Realty Trust since 2005. He is responsible for overseeing all aspects of Arbor Commercial Mortgage and Arbor Realty Trust’s financial operations. This includes financial reporting, tax planning, budgeting, investor relations and the appropriate utilization of Arbor’s capital. 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. 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. Prior to joining Arbor, Mr. Elenio was employed with Ernst & Young. He graduated Cum Laude with a Bachelor of Business Administration degree in Accounting from St. Bonaventure University.

Paul Elenio

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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.

John G. CaulfieldChief Operating Officer

Executive Leadership

John NataloneExecutive Vice President, Treasury and ServicingJohn 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.

4. ARBOR’S TRACK RECORD & ACHIEVEMENTS


• ACM was named a Top 10 Fannie Mae DUS® Multifamily Lender for the eighth consecutive year and remains one of the few Top Fannie Mae DUS Small Loan Multifamily Lenders.

• Arbor was named a Freddie Mac Program Plus® Seller/Servicer for New York, New Jersey and Connecticut.

• Arbor was one of three lenders designated to provide financing under Freddie Mac’s new nationwide Small Balance Loan product.

• Arbor hires Seniors Housing veteran to lead the team and further expands Seniors Housing platform by adding key members with seniors housing experience to our originations and underwriting staff.

• Arbor closes 1st Seniors Housing Bridge Loan (April 2015).

• Arbor is an FHA Multifamily Accelerated Processing (MAP) Lender, Seniors Housing & Healthcare LEAN Lender and HUD-approved LIHTC Lender as well as a Bridge, Mezzanine and Preferred Equity lender through Arbor Realty Trust and a CMBS lender.

• Arbor implemented Midland Loan Services’ Enterprise as its new loan management and servicing system.

• Arbor’s Standard & Poor’s servicer rating was upgraded from “Average” to “Above Average.”

• ACM’s servicing portfolio grew to $11.65 billion with more than 2,350 as of April 30, 2015.

• Arbor instituted Arbor University, a robust, online training platform supported by BAI, which allows for comprehensive, customized training and related reporting features.

• Arbor hosted its annual Servicing & Credit Risk Management Summits, through which all department members and senior management meet to develop solutions for any operational issues and conduct operational training.

• Arbor completed beta testing of Arbor LoanExpress, a new proprietary online loan application platform with full rollout set for Q1 2015.

ACM Recent Achievements & Goals

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2014/2015 Achievements


Since being named as a Top Ten Fannie Mae DUS® Multifamily Lender in 2007, Arbor has maintained its annual position on Fannie Mae’s Top 10 Multifamily Lender List.

Top Ten Fannie Mae DUS® Lender

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2008

2009

2010

2011

2012

#9

#8

#6

#8

#8

2007 #10

2013 #9

2014 #9

5. SENIORS HOUSING TEAM


Dedicated Seniors Housing & Experienced Team

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Jeffrey Ringwald (Primary Seniors Housing & Healthcare Contact)Senior Vice President, Seniors Housing & Healthcare

As Senior Vice President of Seniors Housing and Healthcare, Jeff Ringwald is responsible for leading the origination effort and strategic direction of the Seniors Housing and Healthcare platform. This nationwide focus caters to owners and operators of independent living, assisted living, memory care, skilled nursing facilities and CCRCs and delivers the debt financing solution best suited for their specific investments using Arbor’s broad range of financing products. He is based in the company’s Dallas, TX office.

Mr. Ringwald has focused on seniors housing and healthcare finance for his entire 16-year career, originating more than $2 billion in seniors housing loans across the country. His expertise includes permanent loan solutions utilizing FHA/HUD, Fannie Mae DUS®, Freddie Mac Program Plus and Life Companies as well as the structuring of bridge and construction loans for clients. Before joining Arbor, Mr. Ringwald served as a Senior Vice President at Oak Grove Capital in the Seniors Housing Group.Prior to Oak Grove Capital, Mr. Ringwald was a Managing Director in the Seniors Housing & Healthcare Group at Red Capital Group, Principal and Manager of the Healthcare Finance Group for Prudential Mortgage Capital Company and Senior Vice President for Guaranty Bank’s Seniors Housing Group, where he was responsible for loan origination, syndication, underwriting and relationship management.

Mr. Ringwald earned a Bachelor of Business Administration degree with a concentration in finance and minor in biology from Southern Methodist University.

Dallas Office: 6060 North Central Expressway, 5th Floor, Dallas, TX 75206

ARBOR.COM • 1.800.ARBOR.10 14

William JacksonVice President – Seniors Housing & Healthcare As Vice President, Seniors Housing and Healthcare, William Jackson is responsible for developing relationships with owners and operators of independent living, assisted living, memory care, skilled nursing facilities, and CCRC’s nationwide to deliver the debt financing solution best suited for their specific investments, using Arbor’s broad range of financing products. He is based in the company’s Dallas, TX, office. Mr. Jackson has more than 16 years of financing experience, including 10 years in healthcare financing. Before joining Arbor, Mr. Jackson served as a Vice President for Oak Grove Capital where he was responsible for the sourcing, underwriting, credit approval and closing of seniors housing and multifamily debt using FHA, Fannie Mae and Freddie Mac finance products. Prior to his time at Oak Grove Capital, Mr. Jackson spent several years managing a portfolio of distressed CMBS financings at C-III Asset Management, LLC. In 2006, Mr. Jackson was recruited to launch a dedicated healthcare team at Prudential Mortgage Company, where he co-developed and helped implement a business plan for the initiation of a dedicated national healthcare originations team. He also assisted in the sourcing, underwriting, credit approval and closing of loans. Mr. Jackson earned a Master of Business Administration degree from Southern Methodist University and a Bachelor’s degree in aerospace engineering from the University of Texas.


Dallas Office: 6060 North Central Expressway, 5th Floor, Dallas, TX 75206


Tyler ArmstrongVice President – Seniors Housing & HealthcareAs Vice President of Seniors Housing and Healthcare, Tyler Armstrong is responsible for originating loans under Arbor’s Seniors Housing and Healthcare Financing platform. His nationwide expertise caters to owners and operators of independent living, assisted living, memory care and skilled nursing facilities as well as continuing care retirement communities. He is based in the company’s Oklahoma City, OK office. Mr. Armstrong has spent his 10-year career primarily focused on bank provided senior debt financing to senior housing owner/operators nationwide and to corporate middle market clients in the Oklahoma City and Dallas / Fort Worth metro areas. He has originated construction, mini-perm, revolving, bridge, and acquisition financing for his clients. Most recently, he worked in Bank of Oklahoma’s Oklahoma City Corporate Banking Group as Vice President, relationship manager, primarily focused on originating new credit relationships to the bank. In addition to loan originations, he was responsible for managing a $270 million portfolio of healthcare and corporate middle-market relationships. Earlier in his career, Mr. Armstrong was an Assistant Vice President for BBVA Compass in Dallas, TX, and later moved on to become Vice President of Wells Fargo Bank in Forth Worth, TX. At both institutions he was responsible for relationship and portfolio management of senior housing, medical office, other healthcare, and corporate middle-market relationships. Mr. Armstrong received his Bachelor of Business Administration degree in Finance and Economics from the University of Oklahoma in 2005. He was also a part of the Brasenose College Honors Exchange Program at Oxford University in 2003.


Oklahoma City Office: 6060 North Central Expressway, 5th Floor, Dallas, TX 75206


Charles OstroffSenior Vice President, Chief Underwriter

Mr. Ostroff joined Arbor in October 2009 as Arbor’s DUS® Chief Underwriter. He is responsible for assigning and directing the staff in conformity with sound credit practices and Fannie Mae guidelines as well as running the full spectrum of multifamily product offerings, including market rate acquisitions and refinances, bond credit enhancements, MAH-qualified transactions, seniors housing projects, moderate rehabs and supplemental loan transactions. During his career, Mr. Ostroff has underwritten properties spanning multiple asset classes and types. Prior to joining Arbor, he served as Vice President/Client Manager and Chief Multifamily Underwriter for Zenta, a third party due diligence and consultancy firm, where he managed the company’s multifamily and affordable housing due diligence and underwriting platform and served as the Senior Underwriter for several CMBS transactions. Before Zenta, Mr. Ostroff spent approximately ten years with Centerline Capital in positions including Assistant Vice President, Vice President and Senior Vice President/Chief Underwriter of Affordable Multifamily Debt and Equity. Mr. Ostroff holds a B.A. in Political Science from George Washington University and a J.D. from the University of Baltimore School of Law.


New York Office:375 Park AvenueNew York, NY


L. Heath CoryellVice President, Senior Healthcare Underwriter

As Vice President, Senior Healthcare Underwriter, Heath Coryell is responsible for the underwriting of seniors housing properties, including independent living, assisted living and dementia facilities under the Freddie Mac and Fannie Mae DUS loan programs. He is based in Providence Forge, Virginia.

Mr. Coryell has approximately 20 years of experience in seniors housing financing with Freddie Mac and Fannie Mae. Prior to joining Arbor, Mr. Coryell served as Vice President, Senior Healthcare Underwriter for Oak Grove Capital. Mr. Coryell’s responsibilities at Oak Grove Capital included underwriting in all aspects of seniors housing and affordable housing multifamily (VLI properties including HAP, Section 8 and LURA) loan production through the Freddie Mac and Fannie Mae DUS loan programs. His position included borrower relations, management of the underwriting process and underwriters/analysts/processors, loan documents negotiations and management of the loan closing process. In addition, Mr. Coryell guided other Oak Grove Capital underwriters/analysts/processors through the Freddie Mac and Fannie Mae DUS seniors housing loan/underwriting processes.

Prior to his time at Oak Grove Capital, Mr. Coryell spent 16 years at Berkadia Commercial Mortgage where he served as the Vice President/Senior Deal Manager in its Seniors Housing & Healthcare Department. He underwrote over $3.7 billion in seniors housing debt nationwide through the Freddie Mac, Fannie Mae DUS and Berkadia’s proprietary bridge and construction loan programs.

Mr. Coryell earned a Bachelor of Business Economics degree with a concentration in finance and accounting from Randolph-Macon College. In addition, Mr. Coryell has completed graduate level courses in MIS and Business Law at George Mason University and graduate level courses in Real Estate Valuation at Virginia Commonwealth University.


Maryland Office: 9711 Washingtonian Boulevard, Suite 550Gaithersburg , MD 20878

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Daniel KennySVP, Chief Asset Manager Daniel Kenny, Senior Vice President, oversees Arbor’s Servicing, Credit and Asset Management Groups in support of Arbor’s agency and balance sheet lending programs. A 30-year commercial real estate industry veteran, Mr. Kenny joined Arbor in its New York City office in 2011. Prior to Arbor, he was the Senior Vice President in the Asset Recovery Group at KeyBank. As result of Key’s acquisition of a regional bank, he coordinated and integrated the regional bank’s mortgage portfolio into KeyBank’s Commercial Real Estate platform and managed the portfolio of loans and real-estate-owned to resolution. His responsibilities included staffing, developing strategic plans, asset valuation, underwriting, workouts, structuring, loan sales, litigation and portfolio recovery optimization. Prior to KeyBank, Mr. Kenny was the Director in the Commercial Real Estate Group at Dillon Read Capital Management in New York, where he originated mortgage loans and proprietary real estate equity investments and was the capital representative for joint venture equity investments in value-added and net-leased properties. Earlier in his career, Mr. Kenny held senior-level positions at several other esteemed commercial real estate investment and lending organizations, including UBS Investment Bank, Bayerische Hypo und Vereinsbank, Skopbank, CorEast Savings Bank and the Chase Manhattan Bank. Mr. Kenny received a Master of Science degree in Real Estate Investment from New York University and a Bachelor of Arts degree in Economics and Business Administration from St. Thomas Aquinas College in Sparkill, NY.

Experienced Dedicated Seniors Housing Team


Wendy LordVice President, Product Manager – Seniors Housing

Wendy Lord has more than 14 years of experience in seniors housing and 20 years in banking. She joined Arbor as a Vice President in Asset Management overseeing the seniors housing portfolio as well as risk management responsibilities for the Freddie Mac Small Balance Loan Program.

Prior to joining Arbor, Ms. Lord was a Vice President, Seniors Housing Account Manager, at Berkadia Commercial Mortgage where she sized and quoted more than $2 billion in Fannie Mae, Freddie Mac, and Berkadia’s propriety bridge loans for seniors housing. Prior to that role, Ms. Lord spent five years at Freddie Mac as an Associate Director in its Seniors Housing Group. She was responsible for the production of seniors housing loans for an assigned set of seller/servicers and for Freddie Mac’s Southeast and Central regions.

Prior to Freddie Mac, Ms. Lord spent two years as a Vice President and Team Leader for GE Healthcare’s Senior Housing Real Estate Portfolio. With her team of five asset managers, Ms. Lord oversaw a portfolio of more than $2 billion in seniors housing assets and also integrated a $1.4-billion equity purchase of skilled nursing and assisted living properties.

Additionally, Ms. Lord spent eight years at KeyBank as a Relationship Manager and Portfolio Manager in its healthcare and commercial real estate groups.

Ms. Lord received a Master of Business Administration degree in Finance and Banking from The Weatherhead School of Management at Case Western Reserve University. She received a Bachelor of Science degree from the Kelly School of Business at Indiana University.


Maryland Office: 9711 Washingtonian Boulevard, Suite 550Gaithersburg , MD 20878


Matthew CareyVice President, FHA Lending

Matthew Carey is the Vice President of FHA Lending for Arbor Commercial Mortgage, LLC. Mr. Carey joined Arbor in December 2012. As Vice President of FHA Lending, Mr. Carey is responsible for Arbor's daily FHA Multifamily Accelerated Processing (MAP) and LEAN (seniors housing/healthcare) loan production, including the coordination of its underwriting strategy and the integration of Arbor's Bridge-to-HUD loan program. Mr. Carey will oversee the continued expansion of Arbor's regional FHA underwriting staff.

Mr. Carey has more than 12 years of experience in commercial lending and underwriting, and holds both LEAN (healthcare) and MAP (multifamily) HUD designations, qualifying him to submit applications to HUD for all FHA property types and programs. Mr. Carey has successfully underwritten and closed over $400 million in MAP and LEAN transactions over the past five years with an emphasis on Senior’s Facilities. Mr. Carey has successfully underwritten and closed 17 healthcare transactions for over $110 million since 2011.

Previous to Arbor, Mr. Carey held the position of Senior FHA/LEAN Underwriter and then FHA Deputy Chief Underwriter within the healthcare lending division of KeyBank Real Estate Capital. Prior to that, he served as MAP Underwriter for Love Funding Corporation.

Mr. Carey received his Bachelor of Arts Degree in Sociology from Cleveland State University.


Cleveland Office:4500 Rockside Road, Suite 450Independence, OH 44131


Peter ReisertSenior Vice President of Capital Markets

Mr. Reisert joined Arbor Commercial Mortgage in 2008 as the Senior Vice President of Capital Markets. In this role he is responsible for all capital markets activities of the firm, including pricing, trading, and the settlement of MBS backed by Arbor’s agency loan originations. In addition to Capital Markets, Mr. Reisert is responsible for Arbor Commercial Mortgage’s Closing department which conducts legal diligence on and closes all of the company’s Agency loans. Additionally Mr. Reisert heads the company’s Front End Insurance team which reviews all borrower insurance policies to ensure that compliance with its lending programs insurance requirements.

Mr. Reisert has more than 20 years of experience in real estate finance, with a strong focus agency lending and the capital markets. Prior to joining Arbor, Mr. Reisert held a number of senior positions at Centerline Capital Group (and its predecessor entities), including Director of Capital Markets where his focus was on the pricing and securitization of Agency (Fannie Mae and Freddie Mac multifamily), balance sheet and off balance sheet structured finance products. Mr. Reisert was a member of Centerline’s loan committee. Earlier in his career Mr. Reisert worked on a trading desk supporting the secondary marketing activities for a residential mortgage banking firm, BankAmerica Mortgage, and Arbor National Mortgage.

Mr. Reisert is a graduate of the Mortgage Banker’s Association’s Future Leaders program, an executive leadership development program sponsored by the industry’s leading trade association. He has a Bachelors degree from Providence College and a Masters of Business Administration in Banking and Finance from Hofstra University. Mr. Reisert is member of Arbor’s loan committee.


Uniondale Office:333 Earl Ovington Blvd, Suite 900Uniondale, NY 11553

6. ARBOR’S COMPETITIVE ADVANTAGE: BRIDGE LOANS


Arbor Competitive Advantage and “Value Add”

Arbor’s Niche Fills Key Void in Lending Landscape

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Arbor Realty Trust (NYSE:ABR) has been serving client’s needs since 2004. Its ability to execute bridge loans would assist in filling the void that currently exists in the healthcare sector.

Arbor’s Proposed Bridge Loan Focus: Loan size of $3 million to $100 million; 1 – 3 year term; floating rate; quick turn acquisitions / value add / lease-up loans.

Arbor’s unique Bridge Product and ability to leverage its Arbor Realty Truststructured platform provides a unique advantage to help serve a market need for Bridge-to-permanent financing.


Arbor’s Marketing Campaign

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1. Seniors Housing Ad 2. Seniors Housing News Banner Ad (300 x 60) – March through July The email goes out to over 10,000 industry professionals, Monday through Friday each morning.

3. NIC National & Regional Sponsors


Why Arbor, Why Now?

Dedicated Infrastructure with Proven Track Record

Strong Commitment from Senior Management

Growing Pipeline of Business

Successful Track Record with New Business Lines

Complete Life of a Loan Involvement from Origination through Servicing

Strong Internal Controls

Commitment to Automation and Technology

Tenured Servicing Expertise