Company: TWO-PC
Filing Date: 2025-11-06
Form Type: S-3ASR
Source: 0001104659-25-107870
Chunk: 31

Company: TWO HARBORS INVESTMENT CORP.
Filing Date: 2025-11-06
Form: S-3ASR
Chunk 31
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 1. Go to shareowneronline.com 2. Select “Register” and then “I want to invest in a Company” 3. Select “Two Harbors Investment Corp.” 4. Select “Invest in this company,” and follow the instructions to buy shares Email Go to shareowneronline.com and select “Contact Us.” Telephone The Plan Administrator will have its Customer Care specialists available Monday through Friday from 8:00 a.m. to 8:00 p.m. Eastern Time at the following numbers:

| ​ | Toll-free within the United States: | ​ | ​ | 1 (800) 468-9716 | ​ |
| ​ | Outside of the United States:       | ​ | ​ | 1 (651) 450-4064 | ​ |

You may also access your account information 24 hours a day, seven days a week using our automated voice response system.

16

TABLE OF CONTENTS

#### Mail
For Written Correspondence and Deposit of Certificated Shares: 
 Equiniti Trust Company, LLC 
 P.O. Box 64856 
 St. Paul, MN 55164-0856

For Certified and Overnight Delivery: 
 Equiniti Trust Company, LLC 
 1110 Centre Pointe Curve, Suite 101 
 Mendota Heights, MN 55120-4100

#### 24.

#### Will interest be paid on Plan accounts?
No. Interest will not be paid on Plan accounts or on any amounts held pending investment.

#### 25.
**What other risks will I face through my participation in the Plan?**

The following summary identifies several of the most important risks that you may face by virtue of your participation in the Plan. There may be additional risks that are not listed below, and you should consult your financial, tax, legal and other advisors prior to determining whether to participate in the Plan.

•

There is no price protection for your shares in the Plan. Your investment in the shares held in the Plan will be exposed to changes in market conditions and changes in the market value of the shares. Your ability to liquidate or otherwise dispose of shares in the Plan is subject to the terms of the Plan and the withdrawal procedures thereunder. You may not be able to withdraw or sell your shares in the Plan in time to react to market conditions. The Two Harbors common stock is not insured by the FDIC or any other government agency. Two Harbors common stock does not represent deposits or other obligations of, and is not guaranteed