Company: MCHB
Filing Date: 2025-07-15
Form Type: S-4/A
Source: 0001140361-25-025920
Chunk: 239

Company: Mechanics Bancorp
Filing Date: 2025-07-15
Form: S-4/A
Chunk 239
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#### TABLE OF CONTENTS
The prospective financial information was prepared in good faith and on a reasonable basis based on the information available to the preparers at the time of its preparation. However, there can be no assurance that the forecasts or projections will be realized, and actual results may vary materially from those shown in the prospective financial information. Neither HomeStreet nor Mechanics endorses the prospective financial information as necessarily predictive of actual future results.

Furthermore, although presented with numerical specificity, the prospective financial information reflects numerous estimates and assumptions made by HomeStreet and Mechanics’ management, as applicable, at the time such prospective financial information was prepared. The prospective financial information represents, as applicable, HomeStreet management’s evaluation of HomeStreet’s expected future financial performance on a standalone basis and Mechanics’ management’s evaluation of Mechanics’ expected future financial performance on a standalone basis, without reference to the merger (except as expressly set forth in the section entitled “— Estimates Regarding Certain Pro Forma Financial Effects ”). In addition, since the prospective financial information covers multiple years, such information by its nature becomes subject to greater uncertainty with each successive year. These and the other estimates and assumptions underlying the prospective financial information involve judgments with respect to, among other things, economic, competitive, regulatory and financial market conditions and future business decisions that may not be realized and that are inherently subject to significant business, economic, competitive and regulatory uncertainties and contingencies, including, among other things, the inherent uncertainty of the business and economic conditions affecting the industries in which HomeStreet and Mechanics operate and the risks and uncertainties described under the sections entitled “ Risk Factors ” and “ Cautionary Statement Regarding Forward-Looking Statements ” and in the reports that HomeStreet files with the SEC from time to time, all of which are difficult to predict and many of which are outside the control of HomeStreet and Mechanics and will be beyond the control of the combined company following the completion of the merger. There can be no assurance that the underlying assumptions or projected results will be realized, and actual results likely will differ, and could differ materially, from those reflected in the prospective financial information, whether or not the merger is completed. Further, these assumptions do not include all potential actions that the management of HomeStreet or Mechanics could or might have taken during these time periods. The inclusion in this proxy statement/prospectus/consent solicitation statement of the prospective financial information below should not be regarded as an indication that HomeStreet, Mechanics or their respective boards of directors or advisors considered, or now consider,