Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 44

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 44
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 officers hold outstanding Mechanics RSUs that will automatically be converted into corresponding HomeStreet equity awards based on the exchange ratio, as described under the section entitled “The Merger Agreement—Treatment of Mechanics Equity Awards.” Such converted HomeStreet equity awards will be subject to the same terms and conditions as were applicable to such Mechanics RSUs immediately prior to the effective time (including vesting terms, performance measures, and terms with respect to dividend equivalents); |

| • | Mechanics’ directors and certain of Mechanics’ executive officers are expected to continue to serve as directors or executive officers, as applicable, of the combined company and the surviving bank following the effective time; and |

| • | Mechanics’ directors and executive officers are entitled to continued indemnification and insurance coverage under the merger agreement. |

The Mechanics board of directors was aware of these interests and considered them, among other matters, in making its recommendation that Mechanics shareholders approve the merger proposal. For more information, see section entitled “ The Merger—Background of the Merger” and “ The Merger—Mechanics’ Reasons for the Merger; Recommendation of the Mechanics Board of Directors.” These interests are described in more detail in the section entitled “ Interests of Mechanics Directors and Executive Officers in the Merger.” Governance of the Combined Company after the Merger (page 162) Articles Amendment In connection with the merger and subject to the approval by HomeStreet shareholders of the HomeStreet articles amendment proposal, the HomeStreet articles will be amended to, among other things (i) change the name of HomeStreet from “HomeStreet Inc.” to “Mechanics Bancorp”, (ii) increase the number of authorized shares of

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#### TABLE OF CONTENTS
HomeStreet common stock from 160,000,000 to 1,900,000,000 and HomeStreet preferred stock from 10,000 to 120,000, and (iii) authorize the issuance of two (2) classes of HomeStreet common stock, 1,897,500,000 shares of which will be Class A common stock and 2,500,000 shares of which will be Class B common stock. A copy of the articles amendment is attached to this proxy statement/prospectus/consent solicitation statement as

#### Annex B
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After the effective time, the amended and restated articles, as amended prior to the effective time in the form of the articles amendment, will be the articles of incorporation of the combined company until thereafter amended in accordance with applicable law.

#### Bylaws
Prior