Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 740

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 740
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WHEREAS, in connection with the consummation of the transactions contemplated by the Merger Agreement, the Bank, the Ford Funds, the Ford Shareholders and Rabobank desire to terminate the Shareholders Agreement, and the parties hereto desire to enter into this Agreement in order to establish certain rights and obligations of the Company, the Bank, Rabobank, the Ford Funds and the Ford Shareholders and certain of their transferees, effective as of, and subject to the occurrence of, the Effective Time (as defined in the Merger Agreement) (the “ Effective Date ”).

NOW, THEREFORE, in consideration of the mutual covenants and agreements contained herein, the parties hereto agree as follows:

## ARTICLE I
<div align='center'>DEFINITIONS; INTERPRETATION</div>

Section 1.1 Certain Definitions . Unless the context otherwise requires, the following terms, when used in this Agreement, shall have the respective meanings given to them below (such meanings to be equally applicable to the singular and plural forms of the terms defined):

“ Affiliate ” means, with respect to a person, any other person that, directly or indirectly, controls, is controlled by or is under common control with such person; provided , that Hilltop Holdings Inc. and its Subsidiaries will not be deemed to be an “Affiliate” of the Company or any Ford Shareholder or any of their respective Affiliates.

“ Agreement ” means this Registration Rights Agreement, as the same may be amended, supplemented or otherwise modified from time to time in accordance with the terms hereof.

“ beneficial ownership ” (including, with correlative meanings, the terms “ beneficially own ” or “ beneficial owner ”) has the meaning assigned to such term in Rule 13d-3 under the Exchange Act, and a person’s beneficial ownership of securities shall be calculated in accordance with the provisions of such Rule (in each case, irrespective of whether or not such Rule is actually applicable in such circumstance).

“ BHC Act ” means the Bank Holding Company Act of 1956 and the rules and regulations thereunder.

<div align='center'>H-4</div>

#### TABLE OF CONTENTS
“ Board of Directors ” or “ Board ” means the Board of Directors of the Company.

“ Class A Common Stock ” means shares of class A common stock, no par value, of the Company as described in the Articles Amendment.

“ Class B Common Stock ” means shares of class B common stock, no par value,