Company: FRME
Filing Date: 2025-10-10
Form Type: S-4
Source: 0001193125-25-237211
Chunk: 156

Company: FIRST MERCHANTS CORP
Filing Date: 2025-10-10
Form: S-4
Chunk 156
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 of all liens, mortgages, security interests, encumbrances and restrictions of any kind
or character.

(g) Except as set forth in the First Savings Disclosure Letter and to the knowledge of First Savings’s
Management, First Savings or any Subsidiary has not caused or allowed the generation, treatment, storage, disposal or release at any First Savings Real Property of any Toxic Substance (as defined below), except in compliance with all applicable
federal, state and local laws and regulations and except where such noncompliance would not reasonably be expected to have a Material Adverse Effect. “Toxic Substance” means any hazardous, toxic or dangerous substance, pollutant,
waste, gas or material, including, without limitation, petroleum and petroleum products, metals, liquids, semi-solids or solids, that are regulated under any federal, state or local statute, ordinance, rule, regulation or other law pertaining to
environmental protection, contamination, quality, waste management or cleanup.

(h) Except as disclosed in the First
Savings Disclosure Letter and to the knowledge of First Savings’s Management, there are no underground storage tanks located on, in or under any First Savings Owned Real Property and no such First Savings Owned Real Property has previously
contained an underground storage tank. Except as set forth in the First Savings Disclosure Letter and to the knowledge of First Savings’s Management, First Savings or any Subsidiary do not own or operate any underground storage tank at any
First Savings Leased Real Property and no such First Savings Leased Real Property has previously contained an underground storage tank. To the knowledge of First Savings’s Management, no First Savings Real Property is or has been listed on the
Comprehensive Environmental Response, Compensation, and Liability Information System (“CERCLIS”).

(i)
Except as set forth in the First Savings Disclosure Letter and to the knowledge of First Savings’s Management, no Toxic Substance has been released, spilled, discharged or disposed at, in, on or under any First Savings Real Property nor, to
the knowledge of First Savings’s Management, are there any other conditions or circumstances affecting any First Savings Real Property, in each case, which would reasonably be expected to have a Material Adverse Effect.

(j) To the knowledge of First Savings’s Management, there are no mechanic’s or materialman’s liens against
the First Savings Leased Real Property, and no unpaid claims for labor performed, materials furnished or services rendered in connection with constructing, improving or repairing the First Savings Leased Real Property in