Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 271

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 271
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| • | employees, labor and employee benefit plan matters; |

| • | SEC reports; |

| • | environmental matters; |

| • | investment securities; |

| • | derivative instruments and transactions; |

| • | real property; |

| • | intellectual property; |

| • | related-party transactions; |

| • | the receipt of an opinion from its financial advisor; |

| • | broker-dealer and investment advisor status; |

| • | operation of insurance business; and |

| • | insurance matters. |

The representations and warranties in the merger agreement are (i) subject, in some cases, to specified exceptions and qualifications contained in the confidential disclosure schedules to the merger agreement delivered by the HomeStreet Parties and Mechanics, respectively, and (ii) qualified by the reports of HomeStreet, publicly filed with

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the SEC during the period from January 1, 2023 through the execution and delivery of the merger agreement (excluding any risk factor disclosures in the risk factor section or any “forward-looking statements” disclaimer or any other statements that are similarly non-specific or cautionary, predictive or forward-looking in nature). Certain representations and warranties of the HomeStreet Parties and Mechanics are qualified as to knowledge, “materiality” or “material adverse effect.” For purposes of the merger agreement, a “material adverse effect” means, with respect to the HomeStreet Parties or Mechanics, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate, (i) has had or would reasonably be expected to have a material adverse effect on the business, properties, assets, liabilities, results of operations or financial condition of such party and its subsidiaries taken as a whole or (ii) prevents, materially delays or materially impairs (or would reasonably be expected to prevent, materially delay or materially impair) the ability of such party to timely consummate the transactions contemplated by the merger agreement. However, with respect to clause (i) above, a material adverse effect will not be deemed to include the impact of:

| • | changes, after the date of the merger agreement, in GAAP or applicable regulatory accounting requirements; |

| • | changes, after the date of the merger agreement, in laws, rules or regulations (including any pandemic measures) of general applicability to companies in the industries in which such party and its subsidiaries operate, or interpretations thereof by courts or governmental entities; |

| • | changes, after the date of the merger agreement, in