Company: TWO-PC
Filing Date: 2025-11-06
Form Type: S-3ASR
Source: 0001104659-25-107870
Chunk: 12

Company: TWO HARBORS INVESTMENT CORP.
Filing Date: 2025-11-06
Form: S-3ASR
Chunk 12
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 How do I get started?
If you are an existing registered stockholder:

If your shares are currently registered in your name with Two Harbors, not held by your broker or bank in their name, you may enroll through

#### shareowneronline.com
or by submitting an Account Authorization Form by mail (see Question 23 — “What if I have questions about the Plan?” ).

If you are a new investor:

If you do not already own shares of our common stock registered in your name, you may enroll in the Plan by submitting a completed Account Authorization Form along with a payment for your initial investment. You may enroll through

#### shareowneronline.com
and authorize an automatic withdrawal from your bank account or through the mail by sending the Account Authorization Form along with a check (see Question 23 — “What if I have questions about the Plan?” ).

#### 3.

#### How do I reinvest dividends?
You may reinvest all or a portion of the cash dividends paid on your shares of our common stock. When you enroll in the Plan, you may select the option to automatically reinvest your cash dividends. The Plan Administrator will apply all or a portion of your cash dividends, as elected (less any applicable fees), to purchase additional whole and fractional shares (see Question 15 — “What are the costs for participating in the Plan?” ). You may change your election at any time by submitting the change online at

#### shareowneronline.com
, by telephone or by sending a new Account Authorization Form by mail (see Question 23 — “What if I have questions about the Plan?” ). To be effective with respect to a particular dividend, notice of your election must be received on or before the first business day prior to the record date for that dividend. Changes received after the record date of a dividend will be effective for the following dividend.

If you elect to reinvest your dividends, you must choose one of the options set forth below. If you do not choose an option, the Plan Administrator will default your choice to full dividend reinvestment.

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#### Full dividend reinvestment.
You may elect to reinvest all of the cash dividends you receive on your shares of our common stock. Additional shares of our common stock will be purchased using all cash dividends payable on your shares of our common stock held in the Plan, any shares held in physical certificate form, and any shares held in book-entry form. You will not receive cash dividends from us. Instead, all dividends will be reinvested. Whole and fractional shares will be