Company: FRME
Filing Date: 2025-10-17
Form Type: S-4/A
Source: 0001193125-25-242318
Chunk: 145

Company: FIRST MERCHANTS CORP
Filing Date: 2025-10-17
Form: S-4/A
Chunk 145
---
 to the knowledge of First Savings’s Management in default under any
material agreement, commitment, arrangement, loan, lease,

A-18

insurance policy or other instrument, whether entered into in the ordinary course of business or otherwise and whether written or oral, and there has not occurred any event known to First
Savings’s Management that, with the lapse of time or giving of notice or both, would constitute such a default, except for such violations or defaults which would not have a Material Adverse Effect.

5.20 . Neither First Savings nor any Subsidiary has taken or agreed to take any action or has any knowledge
of any fact or circumstance that would (a) prevent the transactions contemplated hereby from qualifying as a reorganization within the meaning of Section 368 of the Code or (b) materially impede or delay receipt of any regulatory
approval required for consummation of the transactions contemplated by this Agreement.

5.21 .

(a) A list of the locations of each parcel of real property owned by First Savings or any Subsidiary (other than real property
acquired in foreclosure or in lieu of foreclosure in the course of the collection of loans and being held by First Savings or the Bank for disposition as required by law) is set forth in the First Savings Disclosure Letter under the heading of
“First Savings Owned Real Property” (such real property being herein referred to as the “First Savings Owned Real Property”). A list of the locations of each parcel of real property leased by First Savings or
any Subsidiary is also set forth in the First Savings Disclosure Letter under the heading of “First Savings Leased Real Property” (such real property being herein referred to as the “First Savings Leased Real Property”). First Savings shall update the First Savings Disclosure Letter within ten (10) days after acquiring or leasing any real property after the date hereof (other than real property acquired in foreclosure or in lieu of
foreclosure in the course of the collection of loans and being held by First Savings or the Bank for disposition as required by law). Collectively, the First Savings Owned Real Property and the First Savings Leased Real Property are herein referred
to as the “First Savings Real Property.”

(b) There is no pending action involving First Savings
or any Subsidiary as to the title of or the right to use any of the First Savings Real Property.

(c) Other than the First
Savings Owned Real Property, neither First Savings nor any Subsidiary has any interest in any other