Company: MCHB
Filing Date: 2025-07-16
Form Type: 424B3
Source: 0001140361-25-026051
Chunk: 694

Company: Mechanics Bancorp
Filing Date: 2025-07-16
Form: 424B3
Chunk 694
---
 Directors – HomeStreet, Inc. March 28, 2025 Page 5 of 5 This opinion is for the information of, and is directed to, the Board (in its capacity as such) in connection with its consideration of the financial terms of the Transaction. This opinion does not constitute a recommendation to the Board as to how it should vote on the Transaction, or to any HomeStreet shareholder or any shareholder of any other entity as to how to vote in connection with the Transaction or any other matter, nor does it constitute a recommendation regarding whether or not any such shareholder should enter into a voting, shareholders’, or affiliates’ agreement with respect to the Transaction or exercise any dissenters’ or appraisal rights that may be available to such shareholder. This opinion has been reviewed and approved by our Fairness Opinion Committee in conformity with our policies and procedures established under the requirements of Rule 5150 of the Financial Industry Regulatory Authority. Based upon and subject to the foregoing, it is our opinion that, as of the date hereof, the Merger Consideration in the Transaction is fair, from a financial point of view, to HomeStreet.

| Very truly yours,             |
| Keefe, Bruyette & Woods, Inc. |

E-5

#### TABLE OF CONTENTS

#### Annex F
EXECUTION VERSION

### VOTING AND SUPPORT AGREEMENT
This VOTING AND SUPPORT AGREEMENT, dated as of March 28, 2025 (this “ Agreement ”), is made by and among (1) HomeStreet, Inc., a Washington corporation (“ Parent ”), (2) EB Acquisition Company LLC and EB Acquisition Company II LLC (together, the “ Acquisition Entities ”) and (3) Ford Financial Fund II, L.P. and Ford Financial Fund III, L.P. (together, the “ Fund Entities ”) (together, the “ Parties ” and each a “ Party ”).

### W I T N E S E T H
WHEREAS, on March 28, 2025, Parent, HomeStreet Bank, a Washington state-chartered commercial bank and a direct and wholly owned subsidiary of Parent (“ Parent Bank ”), and Mechanics Bank (“ Company ”) entered into an Agreement and Plan of Merger (the “ Merger Agreement ”), pursuant to which, among other things, Parent Bank will merge with and into Company (the “ Merger ”), so that Company is the surviving entity in the Merger, upon the terms and subject to the conditions set forth in the Mer