Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 107

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 107
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 | customer borrowing, repayment, investment and deposit practices; |

| • | the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the merger agreement; |

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TABLE OF CONTENTS

| • | customer disintermediation; |

| • | the ability to promptly and effectively integrate the businesses of Mechanics, HomeStreet and HomeStreet Bank; |

| • | the impact of purchase accounting with respect to the merger, or any change in the assumptions used regarding the assets purchased and liabilities assumed to determine their fair value; |

| • | the possibility that the Transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events; |

| • | challenges retaining or hiring key personnel; |

| • | business disruptions resulting from or following the merger; |

| • | the inability to efficiently manage operating expenses; |

| • | changes in interest rates, including the increases in the Federal Reserve benchmark rate since March 2022 and the duration at which such increased interest rate levels are maintained, which could adversely affect HomeStreet’s and Mechanics’ revenue and expenses, the value of assets and obligations, and the availability and cost of capital and liquidity; |

| • | adverse changes in economic conditions and the impacts 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,