Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 14

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 14
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 at the effective time; |

| • | “Class B exchange ratio” refers to the ratio of 330.1092 shares of Class B common stock to be received for each share of Mechanics non-voting common stock pursuant to the terms of the merger agreement; |

| • | “Code” 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; |

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