GUZIEWICZ ANDREW 4

What Happened Andrew Guziewicz, Chief Credit Officer of Arbor Realty Trust (ABR), was granted 12,886 shares under the company's 2024 Amended Omnibus Stock Incentive Plan on 2026-03-13 (report code A). To satisfy tax-withholding obligations related to the vesting, the company withheld/disposed a total of 3,464 shares across 2026-03-13 and 2026-03-14 (report code F) at an implied price of $7.67 per share, resulting in cash withheld of $26,569 (1,549 shares = $11,881; 976 shares = $7,486; 939 shares = $7,202). The award has a three-part vesting schedule (one-third on grant, one-third in one year, one-third in two years).

Key Details

• Transaction dates/prices:
  • 2026-03-13: Award of 12,886 shares (A); same day 1,549 shares withheld at $7.67 (F) = $11,881.
  • 2026-03-14: 976 shares withheld at $7.67 (F) = $7,486; 939 shares withheld at $7.67 (F) = $7,202.
• Total shares withheld for taxes: 3,464; total cash value withheld: $26,569.
• Shares owned after transaction: not disclosed in this filing.
• Footnotes: F1 = shares granted under 2024 Amended Omnibus Plan with 1/3 immediate vesting, then one- and two-year vesting; F2 = shares were withheld by the company to satisfy tax withholding.
• Timeliness: Form 4 filed 2026-03-17 for transactions on 2026-03-13/03-14 — filing appears timely (within the SEC’s two-business-day window).

Context This was primarily an equity award (an acquisition/vesting event) rather than an open-market buy or sell. The share disposals recorded here are company-withheld shares to cover tax withholding — a routine administrative step that does not necessarily indicate the insider sold shares on the open market or signals a change in sentiment.