MFA FINANCIAL, INC. | Business Contracts

Amendment No. 1, dated as of May 3, 2022, to Amended and Restated Employment Agreement entered into as of February 22, 2021, by and between the Company and Bryan Wulfsohn (Filed With SEC on May 4, 2022)

DESCRIPTION OF THE REGISTRANTS SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 (Filed With SEC on February 23, 2022)

MFA FINANCIAL, INC. EQUITY COMPENSATION PLAN PHANTOM SHARE AWARD AGREEMENT (TIME BASED VESTING) (Filed With SEC on February 23, 2021)

Form of Indemnification Agreement (Filed With SEC on May 19, 2020)

Amendment No. 1, dated as of May 3, 2022, to Amended and Restated Employment Agreement, entered into as of February 22, 2021, by and between the Company and Gudmundur Kristjansson (Filed With SEC on May 4, 2022)

Amendment No. 1, dated as of May 3, 2022, to Amended and Restated Employment Agreement, entered into as of February 22, 2021, by and between the Company and Craig L. Knutson (Filed With SEC on May 4, 2022)

Amended and Restated Agreement, entered into as of May 5, 2021, by and between the Company and Harold E. Schwartz (Filed With SEC on May 6, 2021)

Amended and Restated Agreement, entered into as of May 5, 2021, by and between the Company and Stephen D. Yarad (Filed With SEC on May 6, 2021)

MFA FINANCIAL, INC. EQUITY COMPENSATION PLAN PHANTOM SHARE AWARD AGREEMENT (PERFORMANCE BASED VESTING) (Filed With SEC on February 23, 2021)

AGREEMENT (Filed With SEC on February 23, 2021)

AMENDED AND RESTATED EMPLOYMENT AGREEMENT (Filed With SEC on February 23, 2021)

DESCRIPTION OF THE REGISTRANTS SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 (Filed With SEC on February 23, 2021)

Registration Rights Agreement, dated June 26, 2020, by and among the Company, the Purchasers and the Assignees (Filed With SEC on June 30, 2020)

Reinstatement Agreement, dated as of June 26, 2020, by and among the Company and the several Participating Counterparties thereto (Filed With SEC on June 30, 2020)

Form of Warrant, dated June 26, 2020 (Filed With SEC on June 30, 2020)

Investment Agreement, dated June 15, 2020, by and between the Company and the Purchasers (Filed With SEC on June 30, 2020)

Credit Agreement, dated June 15, 2020, among MFResidential Assets Holding Corp., the Company, the lenders party thereto and Wilmington Trust, National Association, as... (Filed With SEC on June 30, 2020)

MFA Financial, Inc. Equity Compensation Plan (Filed With SEC on June 12, 2020)

Third Forbearance Agreement, dated as of June 1, 2020, by and among the Company and the several Participating Counterparties thereto (Filed With SEC on June 3, 2020)

Agreement, entered into as of May 6, 2020, by and between the Company and Stephen D. Yarad (Filed With SEC on May 8, 2020)

Second Forbearance Agreement, dated as of April 27, 2020, by and among the Company and the several Secondary Participating Counterparties thereto (Filed With SEC on April 29, 2020)

Forbearance Agreement, dated as of April 10, 2020, by and among the Company and the several Participating Counterparties thereto (Filed With SEC on April 13, 2020)

Underwriting Agreement, dated February 25, 2020, by and between the Company and Morgan Stanley & Co. LLC, as representative of the several underwriters listed on Schedule A... (Filed With SEC on February 28, 2020)

DESCRIPTION OF THE REGISTRANTS SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 (Filed With SEC on February 21, 2020)

Employment Agreement, entered into as of November 26, 2019, by and between the Company and Bryan Wulfsohn (Filed With SEC on November 27, 2019)

Employment Agreement, entered into as of November 26, 2019, by and between the Company and Gudmundur Kristjansson (Filed With SEC on November 27, 2019)

Employment Agreement, entered into as of November 26, 2019, by and between the Company and Craig L. Knutson (Filed With SEC on November 27, 2019)

Distribution Agreement, dated August 16, 2019, by and between the Company and J.P. Morgan Securities LLC, Barclays Capital Inc., BofA Securities, Inc., Goldman Sachs & Co. LLC,... (Filed With SEC on August 16, 2019)

Indenture, dated June 3, 2019, between the Company and Wilmington Trust, National Association, as trustee (Filed With SEC on June 3, 2019)

First Supplemental Indenture, dated June 3, 2019, between the Company and Wilmington Trust, National Association, as trustee (Filed With SEC on June 3, 2019)

Underwriting Agreement, dated as of May 29, 2019, by and between the Company and Morgan Stanley & Co. LLC and Goldman Sachs & Co. LLC, as representatives of the several... (Filed With SEC on June 3, 2019)

MFA FINANCIAL, INC. (33)