Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 104

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 104
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 of inflation; |

| • | capital management activities; |

| • | the impact, extent and timing of technological changes; |

| • | changes in legislation, regulation, policies or administrative practices, whether by judicial, governmental or legislative action and other changes pertaining to banking, securities, taxation, rent regulation and housing, financial accounting and reporting, environmental protection and insurance and the ability to comply with such changes in a timely manner, including changes as a result of the outcomes of political elections; |

| • | changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Department of the Treasury and the Federal Reserve; |

| • | changes in accounting principles, policies, practices or guidelines; |

| • | failure to attract new customers and retain existing customers in the manner anticipated; |

| • | any interruption or breach of security resulting in failures or disruptions in customer account management, general ledger, deposit, loan or other systems; |

| • | the adverse effects of events beyond each party’s control that may have a destabilizing effect on financial markets and the economy, such as epidemics and pandemics, war or terrorist activities, essential utility outages, deterioration in the global economy, tariffs, instability in the credit markets, disruptions in each party’s customers’ supply chains or disruption in transportation; |

| • | other actions of the Federal Reserve and legislative and regulatory actions and reforms; |

| • | reputational risk and potential adverse reactions of Mechanics’, HomeStreet’s or HomeStreet Bank’s customers, employees or other business partners, including those resulting from the announcement or completion of the Transaction; |

| • | the dilution caused by HomeStreet’s issuance of additional shares of its capital stock in connection with the Transaction; |

| • | increased capital requirements, other regulatory requirements or enhanced regulatory supervision; |

| • | certain restrictions under the merger agreement prior to the effective time that may impact the parties’ ability to pursue certain business opportunities or strategic transactions; and |

| • | the diversion of management’s attention and time from ongoing business operations and opportunities on Transaction-related matters. |

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These factors are not necessarily all of the factors that could cause Mechanics’, HomeStreet’s, HomeStreet Bank’s or the combined company’s actual results, performance, or achievements to differ materially from those expressed in or implied by any of the forward-looking statements. Other factors, including unknown or unpredictable factors, also could significantly harm Mechanics’, HomeStreet’s, HomeStreet Bank’s or the combined