Company: FRME
Filing Date: 2025-10-17
Form Type: S-4/A
Source: 0001193125-25-242318
Chunk: 77

Company: FIRST MERCHANTS CORP
Filing Date: 2025-10-17
Form: S-4/A
Chunk 77
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 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 numerous variables, expectations, and assumptions available at the time it was prepared as to certain business decisions that are
subject to change and does not take into account any circumstances or events occurring after the date it was prepared, including the transactions contemplated by the merger agreement or the possible financial and other effects on First Savings of
the mergers, and does not attempt to predict or suggest actual future results of the combined company or give effect to the mergers, including the effect of negotiating or executing the merger agreement, the costs that may be incurred in connection
with consummating the mergers, the potential synergies that may be achieved by the combined company as a result of the mergers (except as expressly set forth in the section below entitled “— Certain Estimated Sy