X0508 4 2026-02-24 0 0001428205 Armour Residential REIT, Inc. ARR 0001698344 Harper Gordon 3001 OCEAN DRIVE SUITE 201 VERO BEACH FL 32963 0 1 0 0 CFO 0 Common Stock, par value $0.001 per share 2026-02-24 4 M 0 4000 0 A 28126 D Common Stock, par value $0.001 per share 2026-02-24 4 F 0 1489 17.89 D 26637 D Phantom Stock 2026-02-24 4 M 0 4000 0 D Common Stock 4000 58600 D On February 24, 2026, the reporting person elected to convert 2,511 of the 4,000 shares of vested phantom stock into 2,511 shares of ARMOUR common stock. The reporting person elected to convert the remaining 1,489 shares of vested phantom stock into cash solely to pay income taxes on the vested stock. The 4,000 shares are part of, and relate to phantom stock vesting over a six year period, which was reported on a Form 4 report filed by the reporting person on January 14, 2021, phantom stock vesting over a six-and-a-half year period, which was reported on a Form 4 report filed by the reporting person on February 16, 2023, phantom stock vesting over a three year period which was reported on a Form 4 report filed by the reporting person on May 16, 2024 and phantom stock vesting over a five-year period, which was reported on a Form 4 report filed by the reporting person on April 30, 2025. Each unit of phantom stock is the economic equivalent of one share of ARMOUR common stock. /s/ Gordon Harper 2026-02-26