Company: FRME
Filing Date: 2025-09-25
Form Type: 425
Source: 0001193125-25-216443
Chunk: 39

Company: FIRST MERCHANTS CORP
Filing Date: 2025-09-25
Form: 425
Chunk 39
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, environmental, insurance and other governmental or regulatory authority, and the agencies and staffs thereof (collectively, the
“First Savings Regulatory Authorities”), having jurisdiction over the affairs of First Savings or the Bank except where such failure would not have a Material Adverse Effect. All such reports filed

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by First Savings and any Subsidiary complied in all material respects with all applicable rules and regulations promulgated by the applicable First Savings Regulatory Authorities and were true,
accurate and complete in all material respects and, to the extent required, were prepared in conformity with regulatory accounting principles applied on a consistent basis.

5.19 . Neither First Savings nor any Subsidiary is in violation of its respective Articles of Incorporation or
Bylaws (or Articles of Organization and LLC Agreement, as applicable) or to the knowledge of First Savings’s Management in default under any material agreement, commitment, arrangement, loan, lease, 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”).