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<ul><li><p>ARBOR.COM 1.800.ARBOR.10</p><p>The Arbor Companies Growing Financial Partnerships</p><p>As of 11/17/2014</p></li><li><p>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: </p><p>! Any information contained herein is to be treated as confidential and may </p><p>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. </p><p>! The information has been developed in order to assist interested parties in </p><p>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. !</p><p> The information presented herein will not be legally binding. </p><p>2</p><p>Confidentiality Notice</p><p>ARBOR.COM 1.800.ARBOR.10</p></li><li><p>Arbor Businesses 4 Arbors Established Corporate History 5 </p><p>Arbor Company Ownership Organization Chart 6 </p><p>Corporate Organizational Chart 7 Arbor Office Locations 8 Where We Do Business 9 </p><p>Top 10 Fannie Mae Lender 10 ACMs Dedicated FHA Platform 11 CMBS Program 12 Freddie Mac 13 Seniors Housing &amp; Healthcare Lending 14 In-House Servicing 15 Arbor Realty Trust (ART) 16 Executive Bios 17-26 Corporate Highlights 27 For More Information 28 </p><p>Table of Contents</p><p>3ARBOR.COM 1.800.ARBOR.10</p></li><li><p>4</p><p>The Arbor Businesses </p><p>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. </p><p>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. </p><p>ARBOR.COM 1.800.ARBOR.10</p></li><li><p>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 states1</p><p>983</p><p>Arbor National Mortgage goes public under the name Arbor National Holdings IPO ($9.00 per share)19</p><p>92 2003</p><p>2003</p><p>ACM Servicing is rated as a primary and special servicer by Standard &amp; Poors !Arbor Realty Trust begins operations as a commercial mortgage REIT</p><p>2004 Arbor Realty Trust completes IPO </p><p>($20.00 per share) NYSE:ABR</p><p>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 </p><p> 201</p><p>3</p><p>Arbor Residential Mortgage is formed !Loan Servicing Solutions is acquired and AMS Servicing is established20</p><p>08</p><p>2 0 1 4</p><p>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 &amp; Poors. !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.</p><p>Arbor Commercial Mortgage ACM is established as the commercial real estate finance subsidiary of Arbor National Holdings19</p><p>9319</p><p>95 -</p><p> 200</p><p>2</p><p>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 </p><p>with ACM quickly becoming one of nations leading structured finance companies and eventually Arbor Realty Trust </p><p> ACM becomes Fannie Mae DUS lender, FHA MAP lender and Ginnie Mae Issuer</p><p>ABR closes three collateralized debt obligations CDOs totaling $1.560M</p><p>2005</p><p>-06</p><p>Elon Property Management is formed !ACM Servicing is rated as a primary and special servicer by Fitch Ratings</p><p>2011</p><p>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 </p><p> 20</p><p>12</p><p>Arbors Established Corporate History </p><p>5</p></li><li><p>6</p><p>Arbor Company Ownership Organization Chart </p><p>Arbor</p><p>!Arbor Realty Trust, Inc. (NYSE: ABR) Publicly traded real estate investment trust </p><p>that invests in a diversified portfolio of multifamily and commercial real estate </p><p>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</p><p>Arbor Commercial Mortgage, LLC Privately held national direct lender that originates and services multifamily and commercial real estate loans *External </p><p>manager and adviser of Arbor Realty Trust</p></li><li><p>7</p><p>Office Locations</p><p>Arbor Realty Trust New York, NY</p><p>Arbor Commercial Mortgage Uniondale, NY</p><p>HEADQUARTER LOCATIONS</p><p>Uniondale</p><p>SALES OFFICES</p><p>Boston, MA</p><p>Cleveland, OH</p><p>Dallas, TX </p><p>Englewood Cliffs, NJ</p><p>Los Angeles, CA</p><p>New York, NY</p><p>Detroit, MI</p><p>ID</p><p>AZ</p><p>UT</p><p>MT</p><p>WY</p><p>NM</p><p>CO</p><p>ALL</p><p> FL</p><p>SC</p><p>TN</p><p>KY</p><p>INOH</p><p>NC</p><p>SD</p><p>KS</p><p>NE</p><p>MN</p><p>WI</p><p>IA</p><p>IL</p><p>MO</p><p>AR</p><p>MS</p><p>OK</p><p>ND</p><p>OR</p><p>CA</p><p>NV</p><p>WA</p><p>TX</p><p>AK</p><p>WY</p><p>PA</p><p>ME</p><p>VA</p><p>NY</p><p>LA</p><p>GA</p><p> VT</p><p>HI</p><p>MD NJ</p><p>CT</p><p>NHMI MA</p><p>DE</p><p>Baltimore, MD</p><p>AL</p><p>Uniondale, NY</p><p>San Francisco, CA</p></li><li><p> Manufactured Housing Multifamily Affordable Housing (MAH) Small Loans Standard DUS Student Housing Supplemental Loans Tax-Exempt Bond Credit Enhancement</p><p> 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</p><p>Fannie Mae DUS</p><p>8</p><p>Our vast array of Fannie Mae DUS products for multifamily projects includes:</p><p>Top 10 Fannie Mae Lender</p><p>As a Top 10 Fannie Mae DUS Multifamily and Top Small Loan Lender, Arbors 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. </p><p>ARBOR.COM 1.800.ARBOR.10</p></li><li><p>FHA </p><p>9</p><p> 223(f): Refinancing or acquisition of existing multifamily properties 223(a)(7): Refinance, acquisition or moderate renovation of multifamily properties or </p><p>healthcare facilities that currently have HUD-insured debt </p><p> 232: Combined construction and permanent financing for seniors/healthcare facilities (assisted living, congregate care) </p><p> 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 </p><p>rental property for seniors only </p><p> 213: Construction, substantial rehabilitation and purchase of cooperative housing </p><p>ACMs Dedicated FHA Platform</p><p>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. ACMs enhanced FHA platform includes the development of Arbors 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. </p><p>Our FHA mortgage insurance programs include:</p><p>ARBOR.COM 1.800.ARBOR.10</p></li><li><p>10</p><p>CMBS Program</p><p>Arbors CMBS expertise and experience has allowed us to build a loan platform for our borrowers with unique agility, flexibility and, above all, personalization. </p><p>Unique Arbor Advantages: </p><p> Maximized Leverage Rapid Execution Non-recourse Personalized Benefits of Working with a </p><p> True Relationship Flexible Options</p><p>Products: </p><p> CMBS Loans Bridge-to-Permanent CMBS Loans Mezzanine Preferred Equity</p><p>CMBS</p></li><li><p>11</p><p>Freddie Mac Program Plus</p><p>Whether you need a small or large loan, Arbors customized, flexible and, above all, personalized Freddie Mac Program Plus platform can provide the innovative multifamily financing you need to take advantage of todays 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. Its the best of Freddie Mac enhanced with the Arbor advantage.</p><p>Unique Arbor Advantages: </p><p> Expert In-Housing Servicing Personalized Benefits of Working with a </p><p>True Relationship Lender Deal Customization Transactional Flexibility Local Market Expertise</p><p>Products ($1M Deals &amp; Above): </p><p> 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 </p><p>Freddie Mac</p></li><li><p>12</p><p>Seniors Housing &amp; Healthcare LendingUses: </p><p> Refinance of existing conventional debt Acquisition of facilities Facility expansion moderate to </p><p>substantial rehabilitation New construction</p><p>Programs: FHA 232 Pursuant to 223(f) Program: Refinance or acquisition of existing seniors/healthcare </p><p>facilities FHA 223(a)(7) Program: Refinance, acquisition or moderate renovation of multifamily properties or </p><p>healthcare facilities that currently have HUD-insured debt </p><p> FHA 232 Program: Combined construction and permanent financing for seniors/healthcare facilities (assisted living, congregate care) </p><p> FHA 241 Program: Healthcare improvements and additions</p><p>Eligible Property Types: Skilled Nursing &amp; Rehabilitation Centers Long-Term Care Facilities Assisted Living Alzheimers Care/Memory Care Facilities</p><p>Benefits: Long term up to 35 years for refinance, 40 years </p><p>for new construction Higher leverage up to 80% loan to value Fixed rate for the life of the loan Non-recourse, fully amortizing financing</p><p> Assumable with HUD and Arbor approval Property improvement or repair can be </p><p>included in the mortgage up to 80% LTV Closing costs are financeable up to 80% LTV</p></li><li><p>Everyone communicated very well. Thank you for </p><p>this servicing call. It makes things a lot easier </p><p>and I appreciate it.</p><p>Overall everything went really great. I will </p><p> continue to do business with Arbor. </p><p>13</p><p>Once a loan closes, it transitions to Arbors 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. </p><p>In-House Servicing</p><p>ARBOR.COM 1.800.ARBOR.10</p><p>LOAN</p><p> 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. </p><p> 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. </p><p> 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. </p><p> Portfolio volume has grown from $1.3 billion in May 2001 to more than $11.0 billion as of Dec. 31, 2014. </p><p> Rated by Standard &amp; Poors and Fitch Ratings as a third-party Primary and Special Servicer for commercial real estate loans. </p><p> Commended by Fannie Mae for Servicing Best Practices.</p></li><li><p>14</p><p>Arbor Realty Trust (ART) About Arbor Realty Trust </p><p>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. !Arbors 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. </p><p>Bridge Financing Arbors 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 Arbors 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 EquityArbors 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%. </p><p>ARBOR.COM 1.800.ARBOR.10</p></li><li><p>15</p><p>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....</p></li></ul>