Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 56

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 56
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Under California law, which governs Mechanics shareholders’ dissenters’ rights, Mechanics shareholders will not be entitled to exercise any appraisal or dissenters’ rights in connection with the merger. For more information, see the section entitled “ The Merger—Appraisal or Dissenters’ Rights in Connection with the Merger. ”

Under the WBCA, HomeStreet shareholders will not be entitled to dissenters’ rights in connection with the merger or other matters to be voted on at the HomeStreet special meeting because HomeStreet shareholders are not required to approve the merger within the meaning of Section 23B.11.040 of the WBCA, and the HomeStreet articles amendment will not effect a redemption or cancellation of any HomeStreet shareholders’ shares. For more information, see the section entitled “ The Merger—Appraisal or Dissenters’ Rights in Connection with the Merger .”

#### Market Price and Dividend Information
HomeStreet common stock is currently listed on Nasdaq under the symbol “HMST.” The following table shows the closing price of HomeStreet’s common stock on March 28, 2025, the last trading day prior to the public announcement of the merger, and the closing price of HomeStreet’s common stock on July 14, 2025, the last practicable trading day before the printing of this proxy statement/prospectus/consent solicitation statement, in each case as reported on Nasdaq. This table also shows the implied value of the merger consideration to be issued in exchange for each share of Mechanics voting common stock, which was calculated by multiplying the closing price of HomeStreet common stock on those dates by the Class A exchange ratio of 3,301.0920. Because the market price of HomeStreet common stock is subject to fluctuation, the market value of the shares of HomeStreet common stock that Mechanics shareholders will be entitled to receive in the merger may increase or decrease.

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TABLE OF CONTENTS

|                |     | HomeStreet 
     common 
      stock |     |       Implied value 
        of one share 
        of Mechanics 
 voting common stock |
| March 28, 2025 |     |     $ 9.30 |     |          $30,700.16 |
| July 14, 2025  |     |     $13.43 |     |          $44,333.67 |

Mechanics is a private company and there is no established public trading market for its common stock