Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 463

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 463
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 each case that restricts in any material respect or would reasonably be expected to restrict in any material respect the conduct of the business of the Parent or any of its Subsidiaries or that in each case and in any material manner relates to the capital adequacy, ability to pay dividends, credit or risk management policies, management or business

<div align='center'>A-35</div>

#### TABLE OF CONTENTS
of the Parent or any of the Parent Subsidiaries (each, whether or not set forth in the Parent Disclosure Schedule, a “ Parent Regulatory Agreement ”), nor has Parent or any of its Subsidiaries been advised in writing since January 1, 2023 by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering, or requesting any such Parent Regulatory Agreement.

4.29

### Risk Management Instruments
. Except as would not reasonably be expected to have a Material Adverse Effect on the Parent Parties, (a) all interest rate swaps, caps, floors, option agreements, futures and forward contracts and other similar derivative transactions and risk management arrangements, whether entered into for the account of Parent, any of its Subsidiaries or for the account of a customer of Parent or one of its Subsidiaries, were entered into in the ordinary course of business and in accordance with applicable rules, regulations and policies of any Regulatory Agency and with counterparties believed to be financially responsible at the time and are legal, valid and binding obligations of Parent or one of its Subsidiaries enforceable in accordance with their terms (except as may be limited by the Enforceability Exceptions), and are in full force and effect; and (b) Parent and each of its Subsidiaries have duly performed in all material respects all of their obligations, and, to Parent’s knowledge, there are no material breaches, violations or defaults or allegations or assertions of such by any party thereunder.

4.30

#### No Other Representations or Warranties
.

(a) Except for the representations and warranties made by the Parent Parties in this Article IV , no Parent Party nor any other person makes any express or implied representation or warranty with respect to Parent, its Subsidiaries, or their respective businesses, operations, assets, liabilities, conditions (financial or otherwise) or prospects, and the Parent Parties hereby disclaim any such other representations or warranties. In particular, without limiting the foregoing disclaimer, neither of the Parent Parties nor any other person makes or has made any