X0508 4 2025-11-21 0 0001428205 Armour Residential REIT, Inc. ARR 0001455810 Downey Carolyn 3001 OCEAN DRIVE SUITE 201 VERO BEACH FL 32963 1 0 0 0 0 Common Stock, par value $0.001 per share 2025-11-21 4 M 0 540 0 A 24752 D Common Stock, par value $0.001 per share 2025-11-21 4 F 0 270 16.31 D 24482 D Phantom Stock 2025-11-21 4 M 0 540 0 D Common Stock 540 3200 D On November 21, 2025, the reporting person elected to convert 270 of the 540 shares of vested phantom stock into 270 shares of ARMOUR common stock. The reporting person elected to convert the remaining 270 shares of vested phantom stock into cash solely to pay income taxes on the vested stock. The 540 shares are part of, and relate to, phantom stock vesting over five-year periods, which was reported on Form 4 reports filed by the reporting person on January 14, 2021, and February 14, 2023. Each unit of phantom stock is the economic equivalent of one share of ARMOUR common stock. /s/ Carolyn Downey 2025-11-24