Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 240

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 240
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 this prospective financial information to be material information to shareholders, particularly in light of the inherent risks and uncertainties associated with such prospective financial information.

This information was prepared solely for internal use and should not be construed as financial guidance and it should not be relied on as such. Except as otherwise set forth below, it does not take into account any circumstances or events occurring after the date it was prepared, including the transactions contemplated by the merger agreement or the possible financial and other effects on HomeStreet or Mechanics of the merger, and does not attempt to predict or suggest actual future results of the combined company following the completion of the merger or give effect to the merger, including the effect of negotiating or executing the merger agreement, the costs that may be incurred in connection with consummating the merger, the potential synergies that may be achieved by the combined company as a result of the merger, the effect on HomeStreet or Mechanics of any business or strategic decision or action that has been or will be taken as a result of the merger agreement having been executed, or the effect of any business or strategic decisions or actions which would likely have been taken if the merger agreement had not been executed, but which were instead altered, accelerated, postponed or not taken in anticipation of the merger. Further, the prospective financial information does not take into account the effect of any possible failure of the merger to occur. No assurances can be given that if the prospective financial information and the underlying assumptions had been prepared as of the date of this proxy statement/prospectus/consent solicitation statement, similar assumptions would be used. In addition, the prospective financial information may not reflect the manner in which the combined company would operate after the merger.

The accompanying prospective financial information was prepared separately using, in some cases, different assumptions, and the different estimates are not intended to be added together. Adding the prospective financial information of HomeStreet and Mechanics together is not intended to represent the results the combined company will achieve if the merger is completed and is not intended to represent forecasted financial information for the combined company if the merger is completed.

By including in this proxy statement/prospectus/consent solicitation statement a summary of the prospective financial information, none of HomeStreet, Mechanics or any of their respective representatives has made or makes any

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representation to any person regarding the ultimate performance of HomeStreet or Mechanics compared to the information contained in the prospective financial information or that the results reflected in the prospective financial information will be achieved. None of Home