RoundPoint uses AI in contact center for speech recognition, agent assistance, with planned AI agents.
“TWO HARBORS OVERVIEW Servicing Portfolio Highlights (Q3’25) 720,038 Loans Serviced 25bps Servicing Fee Rate 759 Original FICO 3.58% Wtd. Avg. Loan Rate $176bn Owned UPB (100% GSE) $635mm Recurring Net Servicing Income (LTM Q3’25) Source: TWO public filings. 1. Includes 135,706 loans subserviced on behalf of third parties. $182mm LTM 9/30/25 Cash Distributions to Common Shareholders $1,122mm Tangible Book Value $6.5bn Agency RMBS Portfolio • $5.7bn 30-Year Fixed Rate • 6.2% Gross Wtd. Avg Coupon • Carried at fair value Headquarters: St. Louis Park, MN Founded: 2009 Employees: 493 (Nov 2025) Securities Portfolio Highlights (Q3’25) RoundPoint Overview Vertically integrated servicing platform acquired by TWO in October 2023 High Quality Platform Significant Scale Low Cost to Service Technology Drives Efficiencies and Scalability AI in the contact center deploying speech recognition and transcription AI-driven agent assistance and knowledge bases Planned expansion of AI to include automated customer interactions and AI agents Highly efficient operating model driving competitive cost per loan Proven operational capabilities with strong compliance and risk management Licensed to service loans in all 50 states and originate loans in 49 states, D.C. and U.S. Virgin Islands Excess capacity to immediately onboard 100,000+ additional loans TWO Loans Serviced by RoundPoint - 408k 834k 856k August 2022 (RoundPoint Announcement) Q2 2023 Q2 2024 (Transfer Completed) Q3 2025 (1)”