Company: TWO-PC
Filing Date: 2025-11-06
Form Type: S-3ASR
Source: 0001104659-25-107870
Chunk: 26

Company: TWO HARBORS INVESTMENT CORP.
Filing Date: 2025-11-06
Form: S-3ASR
Chunk 26
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 prior to the sale. Forms are available online at

#### shareowneronline.com
. A check for the proceeds of the sale of shares (in U.S. dollars), less applicable taxes and fees, will generally be mailed by first class mail as soon as administratively possible after settlement date. If you submit a request to sell all or part of your shares enrolled in the Plan, and you request net proceeds to be automatically deposited to a checking or savings account, you must provide a voided blank check for a checking account or blank savings deposit slip for a savings account. If you are

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unable to provide a voided check or deposit slip, your written request must have your signature(s) medallion guaranteed by an eligible financial institution for direct deposit. Requests for automatic deposit of sale proceeds that do not provide the required documentation will not be processed and a check for the net proceeds will be issued. Fees. Fees are deducted from the proceeds derived from the sale. The Plan Administrator may, under certain circumstances, require a transaction request to be submitted in writing. Please contact the Plan Administrator to determine if there are any limitations applicable to your particular sale request. Alternatively, you may choose to sell shares of common stock in your Plan account through a broker of your choice, in which case you should contact your broker about transferring shares from your Plan account to your brokerage account. 15. What are the costs for participating in the Plan? There is no cost to you for enrolling in the Plan, as we will pay any such enrollment fees charged by the Plan Administrator. Participation is voluntary and you may discontinue your participation at any time. However, there are fees associated with some of the Plan’s services. Investment Options Summary

| ​ | Minimum Cash Investments                             | ​ | ​ |             ​ | ​ |
| ​ | Minimum one-time initial purchase for new investors* | ​ | ​ |       $250.00 | ​ |
| ​ | * Or 5 minimum recurring automatic investments       | ​ | ​ |        $50.00 | ​ |
| ​ | Minimum one-time optional cash purchase              | ​ | ​ |        $50.00 | ​ |
| ​ | Minimum recurring automatic investments              | ​ | ​ |        $50.00 | ​ |
| ​ | Maximum Cash Investments                             | ​ | ​ |             ​ | ​ |
| ​ | Maximum monthly investment                           | ​ | ​ |    $10,000.00 | ​ |
| ​