Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 228

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 228
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 underlying business decision of HomeStreet to engage in the merger or enter into the merger agreement; |

| • | the relative merits of the merger as compared to any strategic alternatives that are, have been or may be available to or contemplated by HomeStreet or the HomeStreet board; |

| • | the fairness of the amount or nature of any compensation to be received by any of HomeStreet’s officers, directors or employees, or any class of such persons, relative to any compensation to the holders of HomeStreet common stock; |

| • | the effect of the merger or any related transaction on, or the fairness of the consideration to be received by, holders of any class of securities of HomeStreet or holders of any class of securities of Mechanics or any other party to any transaction contemplated by the merger agreement; |

| • | the actual value of HomeStreet common stock to be issued in the merger; |

| • | the prices, trading range or volume at which HomeStreet common stock will trade following the public announcement of the merger or the price, trading range or volume at which HomeStreet common stock would trade following the consummation of the merger; |

| • | any advice or opinions provided by any other advisor to any of the parties to the merger or any other transaction contemplated by the merger agreement; or |

| • | any legal, regulatory, accounting, tax or similar matters relating to HomeStreet, HomeStreet Bank, Mechanics, any of their respective shareholders, or relating to or arising out of or as a consequence of the merger or any related transactions, including whether or not the merger would qualify as a tax-free reorganization for United States federal income tax purposes. |

In performing its analyses, KBW made numerous assumptions with respect to industry performance, general business, economic, market and financial conditions and other matters, which are beyond the control of KBW, HomeStreet, HomeStreet Bank and Mechanics. Any estimates contained in the analyses performed by KBW are not necessarily indicative of actual values or future results, which may be significantly more or less favorable than suggested by these analyses. Additionally, estimates of the value of businesses or securities do not purport to be appraisals or to reflect the prices at which such businesses or securities might actually be sold. Accordingly, these analyses and estimates are inherently subject to substantial uncertainty. In addition, the KBW opinion was among several factors taken into consideration by the HomeStreet board in making its determination to approve the merger agreement and the transactions contemplated thereby, including the merger. Consequently, the analyses described below should