Company: FRME
Filing Date: 2025-11-06
Form Type: 424B3
Source: 0001193125-25-268801
Chunk: 170

Company: FIRST MERCHANTS CORP
Filing Date: 2025-11-06
Form: 424B3
Chunk 170
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 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. First Merchants and FMB are in compliance in all respects with the agreements set forth in the First Merchants Disclosure Letter.

6.18 .

(a) Except as set forth in the First Merchants Disclosure Letter and to the knowledge of First Merchants’ Management,
First Merchants or any Subsidiary has not caused or allowed the generation, treatment, storage, disposal or release at each parcel of real property owned by First Merchants 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 Merchants or FMB for disposition as required by law) (such real property being herein referred to as the “First Merchants Owned Real Property”)
of any Toxic Substance, 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.

(b) Except as disclosed in the First Merchants Disclosure Letter and to the knowledge of First Merchants’ Management,
there are no underground storage tanks located on, in or under any First Merchants Owned Real Property and no such First Merchants Owned Real Property has previously contained an underground storage tank. Except as set forth in the First Merchants
Disclosure Letter and to the knowledge of First Merchants’ Management, First Merchants or any Subsidiary do not own or operate any underground storage tank at any First Merchants Owned Real Property and no such First Merchants Savings Owned
Real Property has previously contained an underground storage tank. To the knowledge of First Merchants’ Management, no First Merchants Owned Real Property is or has been listed on the CERCLIS.

(c) Except as set forth in the First Merchants Disclosure Letter and to the knowledge of First Merchants’ Management, no
Toxic Substance has been released, spilled, discharged or disposed at, in, on or under any First Merchants Owned Real Property nor, to the knowledge of First Merchants’ Management, are there any other conditions or circumstances affecting any
First Merchants Owned Real Property, in each case, which would reasonably