Two Harbors increases ATM equity capacity to 15M shares

TWO HARBORS INVESTMENT CORP.

Amendment to Equity Distribution Agreement with Citizens JMP Securities raises maximum shares to 15,000,000.
Sales may be made on NYSE or through market makers as 'at-the-market' offerings under Rule 415.
Placement Agent receives up to 2% of gross proceeds; Two Harbors indemnifies agent against certain liabilities.
New prospectus supplement filed July 30, 2024; prior agreements from November 2022 and February 2024 amended.

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