Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 648

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 648
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 corporation, pursuant to RCW 23B.10.200, on [•].

[•]

[•]

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

#### TABLE OF CONTENTS

#### Annex D

### MECHANICS BANCORP

#### 2025 EQUITY INCENTIVE PLAN
The Mechanics Bancorp 2025 Equity Incentive Plan (the “

#### Plan
”) was adopted by the Board of Directors of HomeStreet Inc., a Washington corporation (the “

#### Company
”), effective as of June 23, 2025, subject to (i) approval by the Company’s stockholders and (ii) the closing of the transactions contemplated by the Agreement and Plan of Merger, dated March 28, 2025, by and among Mechanics Bank, the Company and HomeStreet Bank (the date on which such closing occurs, the “

#### Effective Date
”).

## ARTICLE 1.

### PURPOSE
The purpose of the Plan is to attract and retain the services of key Employees, key Contractors and Directors of the Company and its Subsidiaries and to provide such persons with a proprietary interest in the Company through the granting of Incentive Stock Options, Nonqualified Stock Options, Stock Appreciation Rights, Restricted Stock, Restricted Stock Units, Performance Awards, Dividend Equivalent Rights, and Other Awards, whether granted singly, or in combination, that will:

(a) increase the interest of such persons in the Company’s welfare;

(b) furnish an incentive to such persons to continue their services for the Company or its Subsidiaries; and

(c) provide a means through which the Company may attract able persons as Employees, Contractors, and Directors.

With respect to Reporting Participants, the Plan and all transactions under the Plan are intended to comply with all applicable conditions of Rule 16b-3 promulgated under the Exchange Act. To the extent any provision of the Plan or action by the Committee fails to so comply, such provision or action shall be deemed null and void ab initio , to the extent permitted by law and deemed advisable by the Committee.

## ARTICLE 2.

### DEFINITIONS
For purposes of this Plan, unless the context requires otherwise, the following terms shall have the meanings indicated:

2.1 “

#### Applicable Law
” means all legal requirements relating to the administration of equity incentive plans and the issuance and distribution of shares of Common Stock, if any, under applicable corporate