Company: FRME
Filing Date: 2025-11-06
Form Type: 424B3
Source: 0001193125-25-268801
Chunk: 153

Company: FIRST MERCHANTS CORP
Filing Date: 2025-11-06
Form: 424B3
Chunk 153
---
the use or value of the First Savings Owned Real Property and which would not have a Material Adverse Effect, First Savings and the Subsidiaries have, and at the Effective Time

A-19

will have, good and marketable title to their respective First Savings Owned Real Property, free and clear of all liens, mortgages, security interests, encumbrances and restrictions of any kind
or character.

(g) Except as set forth in the First Savings Disclosure Letter and to the knowledge of First Savings’s
Management, First Savings or any Subsidiary has not caused or allowed the generation, treatment, storage, disposal or release at any First Savings Real Property of any Toxic Substance (as defined below), 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. “Toxic Substance” means any hazardous, toxic or dangerous substance, pollutant,
waste, gas or material, including, without limitation, petroleum and petroleum products, metals, liquids, semi-solids or solids, that are regulated under any federal, state or local statute, ordinance, rule, regulation or other law pertaining to
environmental protection, contamination, quality, waste management or cleanup.

(h) Except as disclosed in the First
Savings Disclosure Letter and to the knowledge of First Savings’s Management, there are no underground storage tanks located on, in or under any First Savings Owned Real Property and no such First Savings Owned Real Property has previously
contained an underground storage tank. Except as set forth in the First Savings Disclosure Letter and to the knowledge of First Savings’s Management, First Savings or any Subsidiary do not own or operate any underground storage tank at any
First Savings Leased Real Property and no such First Savings Leased Real Property has previously contained an underground storage tank. To the knowledge of First Savings’s Management, no First Savings Real Property is or has been listed on the
Comprehensive Environmental Response, Compensation, and Liability Information System (“CERCLIS”).

(i)
Except as set forth in the First Savings Disclosure Letter and to the knowledge of First Savings’s Management, no Toxic Substance has been released, spilled, discharged or disposed at, in, on or under any First Savings Real Property nor, to
the knowledge of First Savings’s Management, are there any other conditions or circumstances affecting any First Savings Real Property, in each case, which would reasonably be expected to have a Material Adverse Effect