Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 686

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 686
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 of applicable state and federal securities laws, and may not be offered for sale, sold or transferred other than pursuant to effective registration under such laws, or in transactions otherwise in compliance with such laws, and upon evidence satisfactory to the Company of compliance with such laws, as to which the Company may rely upon an opinion of counsel satisfactory to the Company.”

15.11

#### Governing Law.
The Plan shall be governed by, construed, and enforced in accordance with the laws of the State of Washington (excluding any conflict of laws, rule or principle of Washington law that might refer the governance, construction, or interpretation of this Plan to the laws of another state). A Participant’s sole remedy for any Claim shall be against the Company, and no Participant shall have any claim or right of any nature against any Subsidiary of the Company or any stockholder or existing or former director, officer or Employee of the Company or any Subsidiary of the Company. The individuals and entities described above in this Section 15.11 (other than the Company) shall be third-party beneficiaries of this Plan for purposes of enforcing the terms of this Section 15.11 .

A copy of this Plan shall be kept on file in the principal office of the Company in Walnut Creek, California.

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D-19</div>

#### TABLE OF CONTENTS

#### Annex E
March 28, 2025

The Board of Directors

HomeStreet, Inc.

601 Union Street, Suite 2000

Seattle, WA 98101

Members of the Board:

You have requested the opinion of Keefe, Bruyette & Woods, Inc. (“KBW”, “we”, “us” or “our”) as investment bankers as to the fairness, from a financial point of view, to HomeStreet, Inc. (“HomeStreet”) of the Merger Consideration (as defined below) in the proposed merger of HomeStreet Bank (“HomeStreet Bank”), a direct and wholly-owned subsidiary of HomeStreet, with and into Mechanics Bank (“Mechanics Bank”), with Mechanics Bank as the surviving entity (the “Transaction”), pursuant to the Agreement and Plan of Merger (the “Agreement”) to be entered into by and among HomeStreet, HomeStreet Bank and Mechanics Bank. Pursuant to the Agreement and subject to the terms, conditions and limitations set forth therein, each share of common stock, par value $50 per share, of Mechanics Bank designated as Voting Common Stock (the “Voting Common Stock”)