Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 458

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 458
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 in accordance with its terms, subject to the Enforceability Exceptions.

(c) Except as would not reasonably be expected to have a Material Adverse Effect on the Parent Parties, each outstanding Loan of Parent or any of its Subsidiaries (including Loans held for resale to investors) was (except for Loans not originated by Parent or any of its Subsidiaries) solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant Loan files are being maintained, in all material respects in accordance with the relevant notes or other credit or security documents, and (except for Loans not originated by Parent or any of its Subsidiaries) the written underwriting standards of Parent and its Subsidiaries (and, in the case of Loans held for resale to investors, the underwriting standards, if any, of the applicable investors) and with all applicable federal, state and local laws, regulations and rules.

4.24

#### No Broker-Dealers
. Neither Parent nor any of its Subsidiaries is required to be registered, licensed, qualified or authorized, as a broker-dealer under the Exchange Act or under any other applicable law.

4.25

#### No Investment Advisors
. Neither Parent nor any of its Subsidiaries are required to register with the SEC as an investment adviser under the Investment Advisers Act.

4.26

### Insurance Business
. Except as would not reasonably be expected to have a Material Adverse Effect on the Parent Parties, (i) since January 1, 2023, at the time each agent, representative, producer, reinsurance intermediary, wholesaler, third-party administrator, distributor, broker, employee or other person authorized to sell, produce, manage or administer products on behalf of Parent or any Parent Subsidiary (“ Parent Agent ”) wrote, sold, produced, managed, administered or procured business for Parent or a Parent Subsidiary, such Parent Agent was, at the time the Parent Agent wrote or sold business, duly licensed for the type of activity and business written, sold, produced, managed, administered or produced to the extent required by applicable law, (ii) no Parent Agent has been since January 1, 2023, or is currently, in violation of any law, rule or regulation applicable to such Parent Agent’s writing, sale, management, administration or production of insurance business, and (iii) each Parent Agent was appointed by each insurance carrier whose insurance business was written,