X0508 4 2026-02-24 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 2026-02-24 4 M 0 1043 0 A 26457 D Common Stock, par value $0.001 per share 2026-02-24 4 F 0 522 17.89 D 25935 D Phantom Stock 2026-02-24 4 M 0 1043 0 D Common Stock 1043 15014 D On February 24, 2026, the reporting person elected to convert 521 shares out of 1,043 shares of vested phantom stock into 521 shares of ARMOUR common stock. The person elected to convert the remaining 522 shares of vested phantom stock into cash solely to pay income taxes on the vested stock. The 1,043 shares are part of, and relate to, phantom stock vesting over a five-year period, which was reported on a Form 4 filed by the reporting person on February 14, 2023 and December 18, 2025. Each unit of phantom stock is the economic equivalent of one share of ARMOUR common stock. /s/ Carolyn Downey 2026-02-26