Company: HBCP
Filing Date: 2025-11-21
Form Type: S-3
Source: 0001628280-25-053512
Chunk: 22

Company: HOME BANCORP, INC.
Filing Date: 2025-11-21
Form: S-3
Chunk 22
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, principal or premium, if any, will provide an amount sufficient to pay the entire amount of the debt securities:

• in the case of debt securities denominated in U.S. dollars, U.S. dollars or U.S. government obligations;

• in the case of debt securities denominated in a foreign currency, of money in that foreign currency or foreign government obligations of the foreign government or governments issuing that foreign currency; or

• a combination of money and U.S. government obligations or foreign government obligations, as applicable;

2. delivering:

• an opinion of independent counsel that the holders of the debt securities of that series will have no federal income tax consequences as a result of the defeasance and will be subject to federal

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income tax on the same amounts, in the same manner and at the same times as would have been the case if such defeasance had not occurred;

• an opinion of independent counsel that registration is not required under the Investment Company Act of 1940;

• an opinion of counsel that all conditions precedent to the defeasance have been complied with; and

• officers’ certificates certifying as to compliance with the applicable indenture and other matters; and

3. paying all other amounts due under the indenture.

Further, the defeasance cannot cause an event of default under the indenture or any other material agreement or instrument and no event of default under the indenture can exist at the time the defeasance occurs.

#### Subordination
The subordinated debt securities will be subordinated in right of payment to all “senior debt,” as defined in the subordinated indenture. In certain circumstances relating to our liquidation, dissolution, receivership, reorganization, insolvency or similar proceedings, the holders of all senior debt will first be entitled to receive payment in full before the holders of the subordinated debt securities will be entitled to receive any payment on the subordinated debt securities.

In addition, we may make no payment on the subordinated debt securities in the event:

• there is an event of default with respect to any senior debt which permits the holders of that senior debt to accelerate the maturity of the senior debt; and

• the default is the subject of judicial proceedings or we receive notice of the default from an authorized person under the subordinated indenture.

By reason of this subordination in favor of the holders of senior debt, in the event of an insolvency our creditors who are not holders of senior debt or the subordinated debt securities