Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 269

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 269
---
 A
to this document and incorporated by reference herein. This summary does not purport to be complete and may not contain all of the information about the merger agreement that may be important to you. We urge you to read the full text of the merger agreement, as it is the legal document governing the merger. This section is not intended to provide you with any factual information about HomeStreet or Mechanics. Such information can be found elsewhere in this proxy statement/prospectus/consent solicitation statement and in the public filings HomeStreet makes with the SEC as described in the section entitled “Where You Can Find More Information.”

#### Explanatory Note Regarding the Merger Agreement
The merger agreement and the applicable summaries of terms in this document are included to provide you with information regarding the terms of the merger agreement. Factual disclosures about HomeStreet and Mechanics contained in this proxy statement/prospectus/consent solicitation statement or in the public reports of HomeStreet filed with the SEC may supplement, update or modify the factual disclosures about HomeStreet contained in the merger agreement. The merger agreement contains representations and warranties by the HomeStreet Parties, on the one hand, and representations and warranties by Mechanics, on the other hand, made solely for the benefit of the other. The representations, warranties and covenants made in the merger agreement by the HomeStreet Parties and Mechanics are qualified and subject to important limitations agreed to by the HomeStreet Parties and Mechanics in connection with negotiating the terms of the merger agreement. In particular, in your review of the representations and warranties contained in the merger agreement and described in the applicable summaries in this document, it is important to bear in mind that the representations and warranties are negotiated with the principal purpose of establishing circumstances in which a party to the merger agreement may have the right not to consummate the merger and allocating certain risk between the parties to the merger agreement, rather than establishing matters as facts. The representations and warranties also may be subject to a contractual standard of materiality different from that generally applicable to stockholders and reports and documents filed with the SEC, and some are qualified by the matters contained in the confidential disclosure schedules that the HomeStreet Parties and Mechanics each delivered in connection with the merger agreement and, in the case of the HomeStreet Parties, by certain documents filed with the SEC. Moreover, information concerning the subject matter of the representations and warranties, which do not purport to be accurate as of the date of this proxy statement/prospectus/consent solicitation statement, may have changed since the date of the merger agreement