Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 265

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 265
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, it is important to bear in mind that the representations and warranties are negotiated with the principal purpose of establishing circumstances in which a party to the merger agreement may have the right not to consummate the merger and allocating certain risk between the parties to the merger agreement, rather than establishing matters as facts. The representations and warranties also may be subject to a contractual standard of materiality different from that generally applicable to stockholders and reports and documents filed with the SEC, and some are qualified by the matters contained in the confidential disclosure schedules that the HomeStreet Parties and Mechanics each delivered in connection with the merger agreement and, in the case of the HomeStreet Parties, by certain documents filed with the SEC. Moreover, information concerning the subject matter of the representations and warranties, which do not purport to be accurate as of the date of this proxy statement/prospectus/consent solicitation statement, may have changed since the date of the merger agreement. Accordingly, the representations and warranties in the merger agreement should not be relied on by any persons as characterizations of the actual state of facts about the HomeStreet Parties and Mechanics at the time they were made or otherwise and should be read only in conjunction with the other information provided elsewhere in this proxy statement/prospectus/consent solicitation statement, and in the documents incorporated by reference into this proxy statement/prospectus/consent solicitation statement. Please see the section entitled “ Where You Can Find More Information .”

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#### Structure of the Merger
Each of HomeStreet’s, HomeStreet Bank’s and Mechanics’ board of directors has unanimously approved the merger agreement, and HomeStreet has approved and adopted the merger agreement in its capacity as the sole shareholder of HomeStreet Bank. Under the merger agreement, HomeStreet Bank will merge with and into Mechanics, with Mechanics remaining as the surviving entity and becoming a wholly owned subsidiary of HomeStreet. In connection with the merger, HomeStreet will be renamed “Mechanics Bancorp”. Following the consummation of the merger, HomeStreet will remain a publicly traded company.

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At any time prior to the effective time of the merger, HomeStreet and Mechanics may, by mutual agreement, change the method or structure of effecting the combination of HomeStreet and Mechanics (including the merger), if and to the extent they both deem such change to be necessary, appropriate or desirable, provided, that no such change may (i)