Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 276

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 276
---
 as contemplated by the merger agreement, amend its articles of incorporation, its bylaws or comparable governing documents of its subsidiaries; |

| • | materially restructure or materially change its investment securities or derivatives portfolio or its interest rate exposure, through purchases, sales or otherwise, or the manner in which the portfolio is classified or reported; |

| • | implement or adopt any change in its accounting principles, practices or methods, other than as may be required by GAAP; |

| • | enter into any new line of business; |

| • | other than in the ordinary course of business, change in any material respect its lending, investment, underwriting, hedging practices and policies, risk and asset liability management and other banking and operating, securitization and servicing policies (including any material change in the maximum ratio or similar limits as a percentage of its capital exposure applicable with respect to its loan portfolio or any segment thereof or individual loans); |

| • | other than in the ordinary course of business, (i) change or revoke any material tax election that is material to HomeStreet and its subsidiaries, taken as a whole, on any tax return filed on or after the date of the merger agreement, except as a result of, or in response to, any changes in U.S. federal tax laws or regulations or administrative guidance promulgated or issued thereunder, (ii) change an annual tax accounting period, which change is material to HomeStreet and its subsidiaries, taken as a whole, (iii) file any material amended tax return with respect to an amount of taxes that is material to HomeStreet and its subsidiaries, taken as a whole, or (iv) enter into any closing agreement with respect to an amount of taxes that is material to HomeStreet and its subsidiaries, taken as a whole; |

| • | merge or consolidate itself or any of its subsidiaries with any other person, or restructure, reorganize or completely or partially liquidate or dissolve it or any of its significant subsidiaries; |

175

TABLE OF CONTENTS

| • | make or acquire any loan or issue a commitment (or renew or extend an existing commitment), except to the extent approved by HomeStreet Bank and committed to, in each case prior to the date of the merger agreement and included in the confidential disclosure schedule to the merger agreement, outside of the ordinary course of business consistent with past practice or inconsistent with lending policies and procedures in effect as of the date of the merger agreement or that would require approval by the HomeStreet Bank board of directors or committee