Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 275

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 275
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 representations and warranties made by each of the HomeStreet Parties and Mechanics relating to a number of matters, including the following:

| • | corporate matters, including due organization and qualification and subsidiaries; |

| • | capitalization; |

| • | authority relative to execution and delivery of the merger agreement and the absence of conflicts with, or violations of, organizational documents or other obligations as a result of the merger; |

| • | required governmental and other regulatory filings and consents and approvals in connection with the merger; |

| • | reports to regulatory authorities; |

| • | financial statements, internal controls, books and records and the absence of undisclosed liabilities; |

| • | broker’s fees payable in connection with the merger; |

| • | the absence of certain effects, changes, events, circumstances, conditions, occurrences or developments; |

| • | the conduct of business in the ordinary course; |

| • | legal and regulatory proceedings; |

| • | tax matters, including the absence of action or circumstance that would prevent or impede the merger from qualifying as a “reorganization” within the meaning of Section 368(a) of the Code; |

| • | compliance with applicable laws and cybersecurity matters; |

| • | inapplicability of takeover statutes; |

| • | certain material contracts; |

| • | the accuracy of information supplied for inclusion in this proxy statement/prospectus/consent solicitation statement and other similar documents filed with governmental entities; and |

| • | loan matters. |

The merger agreement contains additional representations and warranties made by the HomeStreet Parties with respect to:

| • | employees, labor and employee benefit plan matters; |

| • | SEC reports; |

| • | environmental matters; |

| • | investment securities; |

| • | derivative instruments and transactions; |

| • | real property; |

| • | intellectual property; |

| • | related-party transactions; |

| • | the receipt of an opinion from its financial advisor; |

| • | broker-dealer and investment advisor status; |

| • | operation of insurance business; and |

| • | insurance matters. |

The representations and warranties in the merger agreement are (i) subject, in some cases, to specified exceptions and qualifications contained in the confidential disclosure schedules to the merger agreement delivered by the HomeStreet Parties and Mechanics, respectively, and (ii) qualified by the reports of HomeStreet, publicly filed with

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the SEC during the period from January 1, 202