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I hold stock certificates reflecting my shares of Two Harbors common stock. Should I send them to the distribution agent or to Two Harbors in connection with the Reverse Stock Split?

Q:

I hold stock certificates reflecting my shares of Two Harbors common stock. Should I send them to the distribution agent or to Two Harbors in connection with the Reverse Stock Split?

A:

Yes. In connection with the Reverse Stock Split, holders’ stock certificates reflecting pre-Reverse Stock Split shares of Two Harbors common stock will be required send their stock certificates to the Exchange Agent handling the Reverse Stock Split in order to receive the new post-Reverse Stock Split shares of Two Harbors common stock. Following the Reverse Stock Split, the exchange agent will send all certificate holders a letter of transmittal detailing the process for exchanging your existing stock certificates. For additional information, certificate holders in the United States and Canada should contact the exchange agent, Wells Fargo Bank, N.A., at (800) 468-9716 or (651) 450-4064 from outside the United States and Canada.