Company: MCHB
Filing Date: 2025-07-03
Form Type: S-4
Source: 0001140361-25-024872
Chunk: 27

Company: Mechanics Bancorp
Filing Date: 2025-07-03
Form: S-4
Chunk 27
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. Please check the voting instruction form used by your bank, broker, trustee or other nominee. |

7

TABLE OF CONTENTS

| Q: | What is a “broker non-vote”? |

| A: | Banks, brokers, trustees and other nominees who hold shares in street name for a beneficial owner of those shares typically have the authority to vote in their discretion on “routine” proposals when they have not received instructions from beneficial owners. However, banks, brokers, trustees and other nominees are not allowed to exercise their voting discretion with respect to the approval of matters determined to be “non-routine” without specific instructions from the beneficial owner. |

A broker non-vote occurs when a bank, broker, trustee or other nominee is not permitted to vote on a “non-routine” matter without instructions from the beneficial owner of the shares and the beneficial owner fails to provide the bank, broker, trustee or other nominee with such instructions. Broker non-votes only count toward a quorum if at least one proposal is presented with respect to which the bank, broker, trustee or other nominee has discretionary authority. It is expected that all proposals to be voted on at the HomeStreet special meeting are non-routine matters, and, as such, broker non-votes, if any, will not be counted as present and entitled to vote for purposes of determining a quorum at the HomeStreet special meeting. If your bank, broker, trustee or other nominee holds your shares of HomeStreet common stock in “street name,” such entity will vote your shares of HomeStreet common stock only if you provide instructions on how to vote by complying with the instructions provided to you by your bank, broker, trustee or other nominee with this proxy statement/prospectus/consent solicitation statement.

| Q: | What if I abstain or fail to vote? |

| A: | For purposes of the HomeStreet special meeting, an abstention occurs when a HomeStreet shareholder attends the HomeStreet special meeting and does not vote or returns a proxy with an “abstain” instruction. Abstentions will be included in determining the number of shares present at the meeting for the purpose of determining the presence of a quorum. |

| • | Proposal 1: HomeStreet articles amendment proposal: An abstention will have the same effect as a vote “AGAINST” the HomeStreet articles amendment proposal. If a HomeStreet shareholder is not present at the HomeStreet special meeting and does not respond by proxy, it will have the same effect as a vote