Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 437

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 437
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(b) Company acknowledges and agrees that neither Parent nor Parent Bank nor any other person has made or is making any express or implied representation or warranty other than those contained in Article IV .

## Article IV

### REPRESENTATIONS AND WARRANTIES OF THE PARENT PARTIES
Except (a) as disclosed in the disclosure schedule delivered by the Parent Parties to Company concurrently with this Agreement (the “ Parent Disclosure Schedule ”); provided that (i) no such item is required to be set forth as an exception to a representation or warranty (x) if its absence would not result in the related representation or warranty being deemed untrue or incorrect or (y) as contemplated by Section 9.14 to the extent that disclosing such item would involve the disclosure of Confidential Supervisory Information, provided , further , that to the extent legally permissible, appropriate substitute disclosures shall be made under circumstances in which the limitations of this clause (y) apply, (ii) the mere inclusion of an item in the Parent Disclosure Schedule as an exception to a representation or warranty shall not be deemed an admission by the Parent Parties that such item represents a material exception or fact, event or circumstance or that such item would reasonably be expected to have a Material Adverse Effect on the Parent Parties and (iii) any disclosures made with respect to a section of Article IV shall be deemed to qualify (1) any other section of Article IV specifically referenced or cross-referenced and (2) other sections of Article IV to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross-reference) from a reading of such disclosure that such disclosure applies to such other sections or (b) as disclosed in any final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished to the SEC since January 1, 2023 by Parent pursuant to the Securities Act or the Exchange Act (the “ Parent

<div align='center'>A-23</div>

#### TABLE OF CONTENTS
Reports ”) and prior to the date of this Agreement (but disregarding risk factor disclosures contained under the heading “Risk Factors,” or disclosures of risks set forth in any “forward-looking statements” disclaimer or any other statements that are similarly non-specific or cautionary, predictive or forward-looking in nature), Parent and Parent Bank hereby represent and warrant to Company as follows:

4.1

#### Corporate Organization
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(a) Parent is a corporation duly organized, validly existing under the laws of the State of Washington, and is a bank holding company duly