Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 28

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 28
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 internet as provided on each proxy card) or otherwise follow the voting instructions provided in this proxy statement/prospectus/consent solicitation statement in order to ensure that all of your shares of HomeStreet common stock are voted. Beneficial Owners. For shares held in “street name” through a bank, broker, trustee or other nominee, you should follow the procedures provided by your bank, broker, trustee or other nominee in order to vote your shares.

| Q: | Who can help answer my questions? |

| A: | If you are a HomeStreet shareholder and have any questions about the merger or how to submit your proxy or voting instruction card, or if you need additional copies of this document or the enclosed proxy card or voting instruction card, you should contact HomeStreet’s proxy solicitor, Okapi Partners LLC, by calling toll-free at (877) 566-1922. |

| Q: | What is householding and how does it affect me? |

| A: | SEC rules permit HomeStreet and intermediaries, such as brokers, to satisfy the delivery requirements for proxy materials by delivering a single set of proxy materials to an address shared by two or more of HomeStreet shareholders, unless contrary instructions have been received in advance according to certain procedures. In cases of such contrary instructions, each shareholder continues to receive a separate notice of the meeting and proxy card. |

Certain brokerage firms may have instituted householding for beneficial owners of HomeStreet common stock held through brokerage firms. If your family has multiple accounts holding HomeStreet common stock, you may have already received a householding notification from your broker. Please contact your broker directly if you have any questions or require additional copies of this proxy statement/prospectus/consent solicitation statement. The broker will arrange for delivery of a separate copy of this proxy statement/prospectus/consent solicitation statement promptly upon your written or oral request. You may decide at any time to revoke your decision to household, and thereby receive multiple copies. Questions and Answers for Mechanics Shareholders

| Q: | Did the Mechanics board of directors approve the merger agreement? |

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TABLE OF CONTENTS

| Q: | Do any of the Mechanics directors or officers have interests in the merger that may differ from or be in addition to my interests as a Mechanics shareholder? |

| A: | Yes. Mechanics shareholders should be aware that certain directors and executive officers of Mechanics may have interests in the merger that are different from, or in addition to, interests of Mechanics shareholders generally and may create potential