Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 12

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 12
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 refers to the Internal Revenue Code of 1986, as amended; |

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TABLE OF CONTENTS

| • | “combined company” refers to the resulting holding company of Mechanics following the merger, which will be renamed “Mechanics Bancorp” and was formerly “HomeStreet, Inc.”; |

| • | “combined company common stock” refers to the Class A common stock and the Class B common stock, collectively; |

| • | “effective time” refers to the effective time of the merger; |

| • | “exchange ratios” refers to the Class A exchange ratio and the Class B exchange ratio, collectively; |

| • | “Ford Entities” refers to EB Acquisition Company LLC, EB Acquisition Company II LLC, Ford Financial Fund II, L.P. and Ford Financial III, L.P.; |

| • | “key shareholder voting agreements” refers to the Ford Entities voting agreement and the Rabobank voting agreement, collectively; |

| • | “key shareholders” refers to the Ford Entities and Rabobank, collectively; |

| • | “HomeStreet” refers to HomeStreet, Inc., a Washington corporation; |

| • | “HomeStreet articles” refers to the articles of incorporation of HomeStreet immediately prior to the articles amendment; |

| • | “HomeStreet Bank” refers to HomeStreet Bank, a Washington state-chartered bank and a wholly owned subsidiary of HomeStreet; |

| • | “HomeStreet board of directors” or the “HomeStreet board” refers to the board of directors of HomeStreet; |

| • | “HomeStreet bylaws” refers to the bylaws of HomeStreet immediately prior to the merger; |

| • | “HomeStreet common stock” refers to the current common stock of HomeStreet, no par value, as it exists prior to the effective time, or the combined company common stock, as the context may require; |

| • | “HomeStreet Parties” refers to HomeStreet and HomeStreet Bank, collectively; |

| • | “HomeStreet shareholders” refers to holders of shares of HomeStreet common stock prior to the effective time; |

| • | “Mechanics” refers to Mechanics Bank, a California banking corporation; |

| • | “Mechanics Bancorp” refers to the name of the combined company following the articles amendment; |

| • | “Mechanics board of directors” or the “Mechanics board” refers to the board of directors of Mechanics; |

| • | “Mechanics charter”