Two Harbors files new ATM program to sell up to 15M shares via Citizens JMP and BTIG

TWO HARBORS INVESTMENT CORP.

Offers up to 15,000,000 shares of common stock under at-the-market program.
Sales agents Citizens JMP Securities and BTIG each to receive up to 2% of gross proceeds.
Equity Distribution Agreements dated September 19, 2025; Citizens JMP amended and restated.
Shares may be sold directly on NYSE or through market makers in negotiated transactions.
Two Harbors has agreed to indemnify sales agents against certain liabilities.

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