Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 264

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 264
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 WBCA, and the HomeStreet articles amendment will not effect a redemption or cancellation of any HomeStreet shareholders’ shares. Accordingly, no dissenters’ rights are available to HomeStreet shareholders in connection with the merger or other matters to be voted on at the HomeStreet special meeting.

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.

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#### TABLE OF CONTENTS

### THE MERGER AGREEMENT
This section of the proxy statement/prospectus/consent solicitation statement describes the material terms of the merger agreement. The description in this section and elsewhere in this proxy statement/prospectus/consent solicitation statement is subject to, and qualified in its entirety by reference to, the complete text of the merger agreement, which is attached as

#### Annex 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