0001104659-25-122070 Sample Contracts

AGREEMENT AND PLAN OF MERGER by and among UWM HOLDINGS CORPORATION, UWM ACQUISITIONS 1, LLC and TWO HARBORS INVESTMENT CORP. Dated as of December 17, 2025
Merger Agreement • December 17th, 2025 • Two Harbors Investment Corp. • Real estate investment trusts • Maryland

AGREEMENT AND PLAN OF MERGER, dated as of December 17, 2025, (this “Agreement”), by and among UWM Holdings Corporation, a Delaware corporation (“Parent”), UWM Acquisitions 1, LLC, a Delaware limited liability company and a wholly owned subsidiary of Parent (“Merger Sub”), and Two Harbors Investment Corp., a Maryland corporation (the “Company”). Each of Parent, Merger Sub and the Company is referred to herein as a “party” and, collectively, the “parties.”

Re: Accelerated Payment Agreement
Accelerated Payment Agreement • December 17th, 2025 • Two Harbors Investment Corp. • Real estate investment trusts • Maryland

As you are aware, Two Harbors Investment Corp. (the “Company”) is expected to enter into an Agreement and Plan of Merger (the “Merger Agreement”), to be dated December 17, 2025, pursuant to which the Company will merge with and into a wholly-owned subsidiary of UWM Holdings Corporation. The Company views your continued service and commitment to the Company as important to the ongoing success of the Company and completing the merger contemplated by the Merger Agreement. Accordingly, the Company is providing you three accelerated payments (each an “Accelerated Payment”, and collectively the “Accelerated Payments”) according to the conditions set forth in this Accelerated Payment Agreement (the “Agreement”).

TWO HARBORS INVESTMENT CORP. 2021 EQUITY INCENTIVE PLAN RESTRICTED STOCK AWARD AGREEMENT
Restricted Stock Award Agreement • December 17th, 2025 • Two Harbors Investment Corp. • Real estate investment trusts • Maryland

This RESTRICTED STOCK AWARD AGREEMENT (this “Agreement”) is made and entered into by and between Two Harbors Investment Corp., a Maryland corporation (the “Company”), and William Greenberg (the “Grantee”), as of the 18th day of December, 2025 (the “Grant Date”).