UNIONDALE, N.Y., March 25, 2021 -- Arbor Realty Trust, Inc. (the “Company”) (NYSE: ABR) announced today that it priced its public offering of 7,000,000 shares of common stock for total expected gross proceeds of approximately $109.6 million before underwriting discounts and commissions and expenses. The offering is subject to customary closing conditions and is expected to close on March 30, 2021.

The Company intends to use the net proceeds from the offering to make investments relating to its business and for general corporate purposes. The Company also intends to use a portion of the net proceeds from this offering to purchase (i) 350,000 shares of its common stock from its Chief Executive Officer, Arbor Commercial Mortgage, LLC and/or estate planning family vehicles established by its Chief Executive Officer (or 402,500 shares of its common stock if the underwriters exercise their option to purchase additional shares in full), (ii) 150,000 shares of its common stock from its Chief Financial Officer, (iii) 100,000 shares of its common stock from its Executive Vice President, Treasury and Servicing and (iv) 200,000 shares of its common stock from its Executive Vice President, Structured Securitization, at the same price the underwriters will purchase the shares in this offering.

The offering is being made pursuant to an effective automatic shelf registration statement, previously filed by the Company with the Securities and Exchange Commission (“SEC”). The offering of these securities is being made only by means of a prospectus. Copies of the final prospectus supplement and accompanying prospectus related to the offering may be obtained, when available, by contacting J.P. Morgan Securities LLC, Attention: Prospectus Department, c/o Broadridge Financial Solutions, 1155 Long Island Avenue, Edgewood, NY 11717, or by telephone at (866) 803-9204, or by email at prospectus-eq_fi@jpmchase.com; JMP Securities LLC, 600 Montgomery Street, 10th Floor, San Francisco, CA 94111, Attention: Prospectus Department, or by calling (415) 835-8985, or by email at syndicate@jmpsecurities.com; or Raymond James & Associates, Inc., Attention: Syndicate, 880 Carillon Parkway St. Petersburg, FL 33716, by telephone at (800) 248-8863, or by email at prospectus@raymondjames.com.

This press release shall not constitute an offer to sell or the solicitation of an offer to buy any securities nor will there be any sale of these securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or other jurisdiction.

Arbor Realty Trust, Inc. (NYSE:ABR) is a nationwide real estate investment trust and direct lender, providing loan origination and servicing for multifamily, seniors housing, healthcare and other diverse commercial real estate assets. Headquartered in New York, Arbor manages a multibillion-dollar servicing portfolio, specializing in government-sponsored enterprise products. Arbor is a Fannie Mae DUS® lender and Freddie Mac Optigo Seller/Servicer. Arbor’s product platform also includes CMBS, bridge, mezzanine and preferred equity lending.

Certain items in this press release may constitute forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, including, but not limited to, statements relating to the completion of the proposed offering and the anticipated gross proceeds and use of the net proceeds from the offering. These statements are based on management’s current expectations and beliefs and are subject to a number of trends and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements. The Company can give no assurance that its expectations will be attained. Factors that could cause actual results to differ materially from the Company’s expectations include, but are not limited to, risks and uncertainties related to the completion of the offering on the anticipated terms or at all, market conditions, the satisfaction of customary closing conditions related to the offering, changes in economic conditions generally, and the real estate markets specifically, in particular, due to the uncertainties created by the COVID-19 pandemic, continued ability to source new investments, changes in interest rates and/or credit spreads, and other risks detailed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020 and its other reports filed with the SEC. Such forward-looking statements speak only as of the date of this press release. The Company expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in the Company’s expectations with regard thereto or change in events, conditions, or circumstances on which any such statement is based.

Biden wins US election 2020 and the world reacted in celebration and future hope to the victory of Biden over Trump in the US election. Also there is a potential Covid vaccine that offers 90% protection which gave stock markets a rocket. Drugs firm Pfizer's own shares climbed 9%. The FTSE 100 rose 5%. US, the Dow Jones Industrial Average closed up about 3%. S&P 500 ended 1.1% higher, short of a new record. But Nasdaq fell 1.5% cause many tech firms benefited from the lockdown.

This is how some World's leaders reacted to the Biden win.

Boris Johnson - UK prime minister - 'Congratulations to Joe Biden on his election... and to Kamala Harris on her historic achievement. The US is our most important ally and I look forward to working closely together on our shared priorities, from climate change to trade and security'

Narendra Modi - Indian prime minister - 'Congratulations Joe Biden on your spectacular victory! As the VP, your contribution to strengthening Indo-US relations was critical and invaluable. I look forward to working closely together once again... 'Heartiest congratulations Kamala Harris! Your success is path-breaking, and a matter of immense pride not just for your chittis [aunts], but also for all Indian-Americans. I am confident that the vibrant India-US ties will get even stronger with your support and leadership.'

Justin Trudeau - Canadian prime minister - 'Congratulations, Joe Biden and Kamala Harris. Our two countries are close friends, partners, and allies. We share a relationship that's unique on the world stage. I'm really looking forward to working together and building on that with you both.'

Angela Merkel - German chancellor - 'Our transatlantic friendship is indispensable if we are to deal with the major challenges of our times'. Donald Trump was very unpopular in Germany and he and Merkel clashed repeatedly on several issues such as Nato funding, global diplomacy and coronavirus, very different to Ms Merkel's close relationship with Barack Obama.

Emmanuel Macron - French president - 'The Americans have chosen their President... We have a lot to do to overcome today's challenges. Let's work together!'. Macron tried to develop a good relationship with Trump but Macron has more political similarities to Biden, who like him favours global cooperation on issues like climate change and diplomacy.

Around the US and the rest of the world, the increase in nomads, freelancers and expatriates has created a higher demand for shared working spaces in the professional community. Co-working spaces are places where individuals and groups can hire out desks or other tailored working spaces on a more temporary basis, which saves considerably on rent and maintenance and also immerses professionals into a creative and international community of like-minded people. Also many countries are now trying to attract digital nomads during covid to boost economy and attract some visitors to tourism-dependent economies.

Typically, shared working spaces are specially designed to be very comfortable and modern places that inspire creativity and maximise productivity. As well as having strong and reliable WiFi connections, they often have backup generators so that you are able to continue working uninterrupted during power cuts. They tend to be free from distraction and noise and so you are able to focus on the work that needs to be done, and have a variety of different places to chose from so that if you are more comfortable and productive from a sofa instead of an office chair, it isn't a problem.

As the number of self employed and nomadic professionals increases with developments in technology and the way we are able to access our professional lives more remotely, people are requiring conventional offices less and less. The benefits of choosing instead to work in a shared space are not only reflected in cost, but also the creative environment, the chance of professional and international networking, the social aspect that comes with organised events, talks and even parties, and the ability to pack up and move on without worrying about rent payments or standard office relocation problems.

It is also not just a desk that you're hiring in a co-working space. Most establishments will offer something extra to try to put them ahead of their competition. Free coffee and breakfast is quite common, but also there are often memberships to local gyms, invitations to local community events, access to meeting and presentation rooms and of course, access to the community residing within the walls of the working space.

Some co-working spaces are also or are connected to co-living spaces. These are somewhat between a hostel and a hotel, with clean and well designed private accomodation but with shared facilities, all catered around professional nomads and freelancers who want to network with other professionals but to also be in the most productive space they can.

Locations for co-working spaces varies. Places like Beachub in Thailand believe that immersion in nature increases productivity, creativity and overall happiness, and have set up their co-working space on a private beach to remove workers from the distractions of busy city life. The Pioneer Collective in Seattle is located just a stone's throw away from the main downtown area, but has been well designed with plants, paintings and comfortable furniture to relax those inside by create a peaceful and relaxing vibe, despite being in the city centre.

Every co-working space offers something unique and different as well. Neuehouse Hollywood in LA does everything possible to transport workers to the glamorous 1930s Hollywood era by utilising old stages and acting areas as work spaces. Coffee & Power in San Francisco tries to recreate the feel of a coffee house but without all of the loud noises and distractions that one would usually find, and better still, the coffee is free and the WiFi actually works! Particularly if you are able to work remotely and are willing to travel around to different and often off-the-beaten-path destinations, you will be able to find something that suits your needs and desires exactly.

So if you need to knuckle down with your team, or you're a professional individual working remotely who wants some time to focus without distraction, try looking up a co-working space in your area (or far away for that matter) and see what they have to offer. Many professionals have seen their time in specially tailored co-working spaces as breakthrough and establishments are boasting astounding results in relation to increased productivity and happy satisfied customers. Most places allow you to spend as little as single day and to stay for as long as you want, so you don't have to commit if you don't like it.

Saving money is always a good idea, in every sector of our modern lifestyles. The more places where we can cut budgets, save time and to reapply our finances to something more enjoyable and personal, the more happy we are, and therefore the better we can run our businesses. Here are a few tips and tricks to saving and to make some money in the running of your business, even if you're eligible for a $1,200 Coronavirus Aid stimulus check and haven't received yours yet...

Cut your interest - By reducing any debt that you have with your credit company, you will therefore reduce the interest you are paying which will help you to stay on top of your finances. Sometimes, you can simply call up your credit company and politely ask them if there is any way you can be paying a lower interest rate and you can reduce your spending in an instant. Another idea is to transfer your negative balance to an interest free credit card or account. The quicker you pay off your outstanding balances, in both your personal life and your businesses, the lower the amount you will pay to the credit companies.

Become paperless - If you can reduce your waste, you can save yourself and your business a lot of money. Paper, toner and ink, printer maintenance and the printers themselves all cost a lot of money, and in today's society, most of the time we can get away with using electronic documentation to the point that you can even sign most documents on a smartphone or tablet without the need to print it out. If you do have to print something, when you no longer have a use for the document, use the back as notepaper. You can also refill printer cartridges to save yourself some money.

Free advertising - When you send out information, letters, invoices, receipts or any form of communication to your existing clients, you can also use this opportunity to mention other services or products that might be of interest and to maybe boost your business with them. You can also offer a service or product in your email signatures, or to attach a link to a blog post or other website that could be of interest or to increase recognition of your services and to boost traffic through your website.

Secondhand equipment - Much like visiting a thrift shop to buy your clothes at a reduced rate, there are shops that sell renovated or used computer equipment which usually comes with a guarantee as if it were new. Many of these shops are given their old machines by large corporations who have only used it for one or two years before buying new equipment, so are in excellent working order, and at a fraction of the price. This is also very green and a good environmental move. You can also buy secondhand office furniture to take it one step further and tisane even more.

Outsourcing and maximising your team's output - Putting an extra person on payroll can be a lot more expensive than sending your work to some other company or person to complete. Likewise, instead of just hiring staff in a small business to complete very specific tasks, consider getting everybody more involved in the business and to proactively seek good opportunities and ways to improve, as well as to contribute with all the small things like tidying their desks and the common areas so that you don't have to hire a cleaner as well. The better you can utilise everybody in your team across all areas of your business, the fewer people you will need to hire and put on a salary.

Social media advertising - One of the best ways to promote a business without paying for banners, flyers or conventional advertising is to harness the power of the internet. The most powerful websites, such as Facebook, Twitter and Instagram, are all free to sign up to and to create a page for your business, and you can target specific groups of people that your product will be suited to. They all also offer advertising packages which can refine this down even further and be more effective at competitive rates. It takes time and effort to maintain and to upkeep a business social media page, but the results are outstanding and your work will pay off.