Company: TWO-PC
Filing Date: 2025-11-06
Form Type: S-3ASR
Source: 0001104659-25-107870
Chunk: 17

Company: TWO HARBORS INVESTMENT CORP.
Filing Date: 2025-11-06
Form: S-3ASR
Chunk 17
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 invested in select deposit products. The risk of any loss from such Permitted Investments shall be the responsibility of the Plan Administrator. Investment income from such Permitted Investments shall be retained by the Plan Administrator.

#### 10.
**How do I make optional cash purchases in excess of $10,000 per month?**

Optional cash investments in excess of $10,000 a month, including any initial investments in excess of $10,000, (for purposes of this section, “Large Cash Purchase”) may be made only by investors that submit a Request for Waiver.

#### Request for Waiver.
If you wish to make a Large Cash Purchase, you should contact our Investor Relations Department at (612) 453-4100 or investors@twoinv.com to determine if we will be considering a Request for Waiver at such time. We have the sole discretion to approve or deny, in whole or in part, a Request for Waiver. When you inquire, you will be informed of one of the following:

•

that we are not currently considering Requests for Waiver; or

•

that we are considering Requests for Waiver, in which case we will provide information about submitting a Large Cash Purchase Request Form . Large Cash Purchase Request Forms may be obtained online from our transfer agent Equiniti Trust Company, LLC at

#### shareowneronline.com
. We must receive completed Requests for Waiver by delivery to investors@twoinv.com by no later than 5:00 p.m. Eastern Time on the third business day before the first day of the “Pricing Period” for the applicable waiver period, as described below. We will notify by return email or by telephone any investor whose Request for Waiver has been approved (including the amount of the investment approved) by 5:00 p.m. Eastern Time on the second business day before the first day of the applicable Pricing Period. The Plan Administrator must receive immediately available funds relating to any approved Request for Waiver by wire transfer to the account designated by us no later than 3:00 p.m. Eastern Time on the business day before the first day of the applicable Pricing Period. All such funds received after 3:00 p.m. Eastern Time on such business day may be returned without interest. We may alter, amend, supplement or waive, in our sole discretion, the time periods and/or other parameters relating to Large Cash Purchases made by one or more participants in the Plan or new investors, at any time and from time to time, prior to the granting of any