Company: FRME
Filing Date: 2025-11-06
Form Type: 424B3
Source: 0001193125-25-268801
Chunk: 8

Company: FIRST MERCHANTS CORP
Filing Date: 2025-11-06
Form: 424B3
Chunk 8
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 hold your shares in street name, please note that only your brokerage firm can sign a proxy on your behalf. The Board of Directors urges you to contact the person responsible for your account today and instruct them to execute a proxy on your behalf for the special meeting.

| Q: | How do I vote my shares in person at the special meeting? |

| A: | Even if you plan to attend the special meeting, we encourage you to vote by mail, phone, or internet so your 
 vote will be counted if you later decide not to attend the special meeting.                                  |

If you choose to vote in person at the special meeting:

| • |     | If you are a shareholder of record, to vote your shares at the special meeting you should bring the enclosed 
 proxy card and proof of identity.                                                                            |

1

| • |     | If you hold your shares in street name, you must obtain a proxy in your name from your bank, broker, or other                                                                            
 holder of record, proof of beneficial ownership, such as a recent brokerage statement or letter from your bank or broker, and proof of identity in order to vote at the special meeting. |

Bring the proxy (for record holders) or proof of beneficial ownership (for street name holders), such as a recent brokerage statement or a letter from your bank or broker, and proof of identity for admission to the special meeting.

| Q: | If I participate in the First Savings Bank Employee Stock Ownership Plan (the “ESOP”) and/or the           
 First Savings Bank Profit Sharing/401(k) Plan (the “401(k) Plan”), how do I vote my shares in those plans? |

| Q: | Why are First Merchants and First Savings proposing to merge? |

| A: | We believe the Merger is in the best interests of both companies and our respective shareholders. First Savings                                                                                                                                          
 and First Merchants believe that the Merger will bring together two complementary institutions to create a strategically, operationally, and financially strong company that is positioned for further growth. The Merger will give the combined company 
 greater scale and geographic diversity, not only for serving existing customers more efficiently, but also for future expansion. We believe the Merger will enhance our capabilities to provide banking and financial services to our customers and      
 strengthen the competitive position of the combined organization.                                                                                                                                                                                        |

You should review the background of and reasons for the Merger described in greater detail beginning on page 41.

| Q: | What will holders of First Savings common stock receive in the Mer