Two Harbors Investment (TWO) Proxy filing summary

Executive summary

• Special Meeting scheduled for May 19, 2026, to vote on the proposed merger with Cross Country Intermediate Holdco, LLC, an affiliate of Cross Country Mortgage, LLC.

• Board unanimously recommends voting in favor of the CCM Merger Proposal, Non-Binding Compensation Advisory Proposal, and Adjournment Proposal.

• Proxy statement and related materials were mailed to stockholders starting April 20, 2026.

• Forward-looking statements address expectations, risks, and uncertainties related to the proposed transaction.

Voting matters and shareholder proposals

• Stockholders are asked to vote on the CCM Merger Proposal, a Non-Binding Compensation Advisory Proposal, and an Adjournment Proposal.

• Board recommends voting "FOR" all proposals.

• Voting can be completed online, by phone, or by returning the proxy card.

Board of directors and corporate governance

• Directors, executive officers, and certain employees are participants in the proxy solicitation.

• Information on directors and executive officers, including their stock ownership, is available in the proxy statement and recent SEC filings.