Company: TWO-PC
Filing Date: 2025-11-06
Form Type: S-3ASR
Source: 0001104659-25-107870
Chunk: 30

Company: TWO HARBORS INVESTMENT CORP.
Filing Date: 2025-11-06
Form: S-3ASR
Chunk 30
---
 Administrator is authorized to choose a broker at its sole discretion to facilitate purchases and sales of our common stock by participants in the Plan. The Plan Administrator will furnish the name of the broker utilized in share transactions within a reasonable time upon written request from the participant.

The Plan Administrator may, for various reasons, require a transaction request to be submitted in writing. Contact the Plan Administrator to determine if a particular request, including any sales request, must be submitted in writing. Any notice, instruction, request, election or direction that is required or permitted under the Plan shall become effective when received by the Plan Administrator, unless a different effective date is indicated. Such notice, instruction, request, election or direction shall be mailed to the address set forth in this prospectus (see Question 23 — “What if I have questions about the Plan?” ).

Except as otherwise expressly provided herein, participants may not sell, pledge, hypothecate or otherwise assign or transfer the participant’s account any interest therein or any cash or shares credited to the

<div align='center'>15</div>

TABLE OF CONTENTS

participant’s account. No attempt at any such sale, pledge, hypothecation or other assignment or transfer shall be effective. Nothing herein shall affect a shareowner’s rights in respect to shares for which certificate(s) have been received. We and the Plan Administrator may agree from time to time to amendments and modifications of the Plan. The Plan Administrator may terminate a participant’s account at any time by notice in writing mailed to the participant. 23. What if I have questions about the Plan? Questions regarding the Plan should be directed to the Plan Administrator through any of the following methods: Internet You may visit shareowneronline.com at any time to access your account information and find answers to many common questions and general inquiries. Online access is available 24 hours a day, seven days a week. If you are an existing registered stockholder and would like to enroll in the Plan: 1. Go to shareowneronline.com 2. Click “Register” and then “I want to register for online access” 3. Select “Two Harbors Investment Corp.” and enter your EQ Account Number 4. Select your Authentication* method 5. Follow the steps to provide your information, create your secure profile and access your online account *If you need your Authentication ID to continue, select “Authentication ID” and “Please send my Authentication ID,” then click “Send ID.” If you are a new investor and would like to enroll in the Plan: