Company: FRME
Filing Date: 2025-11-06
Form Type: 424B3
Source: 0001193125-25-268801
Chunk: 82

Company: FIRST MERCHANTS CORP
Filing Date: 2025-11-06
Form: 424B3
Chunk 82
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information is included in this proxy statement and prospectus solely for the purpose of providing holders of First Savings common stock access to certain information made available to First Merchants and First Savings and their respective boards of
directors and financial advisors.

Neither First Merchants nor First Savings endorses the prospective financial information as necessarily
predictive of actual future results. Furthermore, although presented with numerical specificity, the prospective financial information reflects numerous estimates and assumptions with respect to, among other things, economic, competitive,
regulatory, and financial market conditions and future business decisions that may not be realized and that are inherently subject to significant business, economic, competitive, and regulatory uncertainties and contingencies, including, among other
things, the inherent uncertainty of the business and

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economic conditions affecting the industry in which First Merchants and First Savings operate and the risks and uncertainties described under the sections entitled “RISK FACTORS”
beginning on page 23 and “FORWARD-LOOKING STATEMENTS” located in the forepart of this proxy statement and prospectus and in the reports First Merchants and First Savings have filed or file with the SEC from time to time, all of
which are difficult to predict and many of which are outside the control of First Merchants and First Savings and will be beyond the control of the combined company. There can be no assurance that the underlying assumptions or projected results will
be realized, and actual results could differ materially from those reflected in the prospective financial information, whether or not the mergers are completed. Further, these assumptions do not include all potential actions that the management of
First Merchants or First Savings could or might have taken during these time periods. In addition, since the prospective financial information covers multiple years, such information by its nature becomes subject to greater uncertainty with each
successive year. The inclusion in this proxy statement and prospectus of the prospective financial information below should not be regarded as an indication that First Merchants, First Savings, or their respective boards of directors or financial
advisors considered, or now consider, this prospective financial information to be material information to any holders of First Merchants common stock or holders of First Savings common stock, as the case may be, particularly in light of the
inherent risks and uncertainties associated with such prospective financial information, or that it should be construed as financial guidance, and it should not be relied on as such. The prospective financial information is not fact and should not
be relied upon as necessarily indicative of actual future results. The prospective financial information also reflects