Company: TWO-PC
Filing Date: 2025-11-06
Form Type: S-3ASR
Source: 0001104659-25-107870
Chunk: 22

Company: TWO HARBORS INVESTMENT CORP.
Filing Date: 2025-11-06
Form: S-3ASR
Chunk 22
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 a copy of your DRS account statement.

#### 12.

#### Can I deposit a certificate?
You may elect to deposit a physical Two Harbors common stock certificate for safekeeping, by sending the certificate to the Plan Administrator together with instructions to deposit the certificate. The certificate will show as surrendered with the corresponding credit to your shares enrolled in the Plan. The transaction will appear on your Plan account statement, and shares will be held by the Plan Administrator in its name or nominee name. These shares will be held until you sell, withdraw or terminate your participation in the

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Plan. Because you bear the risk of loss in sending stock certificate, it is recommended that you send them by a method with tracking information, insured to cover at least 5% of the current market value and request a return receipt.

#### 13.

#### How can I transfer or give gifts of shares?
To authorize a transfer or gift of your shares of our common stock, you must submit a Stock Power Form with instructions to transfer ownership of your shares, to the Plan Administrator. This Form may be accessed on our website at

#### shareowneronline.com
. For additional assistance regarding the transfer of Plan shares, contact the Plan Administrator (see Question 23 — “What if I have questions about the Plan?” ). The form will require a “Medallion Signature Guarantee” by a financial institution. A Medallion Signature Guarantee is a special guarantee for securities and may be obtained through a financial institution such as a broker, bank, savings and loan association, or credit union who participates in the Medallion Signature Guarantee program. The guarantee ensures that the individual requesting the transfer of securities is the owner of those securities. Most banks and brokers participate in the Medallion Signature Guarantee program. All registered owners must sign as their name(s) appears on their account.

You can also gift shares by submitting an optional cash investment on behalf of an existing Plan participant (see Question 15 — “What are the costs for participating in the Plan?” ). If a participant’s investments or transfers are made to an existing account, dividends on the shares credited to such investments or transfers will be invested in accordance with the elections made by the existing account owner.

#### 14.

#### How do I sell shares?
You may request that the Plan Administrator sell your shares of our common stock. Sales are usually made through a broker chosen by the Plan Administrator, who will receive brokerage commissions. Typically, the shares are sold through the