Company: FRME
Filing Date: 2025-10-10
Form Type: S-4
Source: 0001193125-25-237211
Chunk: 13

Company: FIRST MERCHANTS CORP
Filing Date: 2025-10-10
Form: S-4
Chunk 13
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 stock. A U.S. Holder who receives cash in lieu of       
 fractional shares of First Merchants common stock will be treated as having received such fractional share of First Merchants common stock pursuant to the Merger and then as having sold that fractional share of First Merchants common stock for cash  
 in a redemption by First Merchants. As a result, assuming that the cash received is not treated as a dividend, such U.S. Holder will generally recognize gain or loss equal to the difference between the amount of cash received in lieu of a fractional 
 share and the U.S. Holder’s tax basis allocated to the fractional share of First Merchants common stock. See “MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES” beginning on page [●].                                                                       |

Your individual tax consequences will depend on your personal situation. You should consult your tax advisor for a full understanding of the tax consequences of the Merger to you.

| Q: | Are holders of First Savings common stock entitled to dissenters’ rights? |

| A: | No. Holders of First Savings common stock are not entitled to dissenters’ rights under the Indiana 
 Business Corporation Law and First Savings’ Articles of Incorporation and Bylaws.                  |

| Q: | What do holders of First Savings common stock need to do now? |

| A: | Holders of First Savings common stock should carefully read and consider the information contained in this                                                                                                                                             
 document and any information incorporated herein by reference. Then, please submit your proxy by completing, signing, and dating the enclosed proxy card and returning it as soon as possible using the enclosed postage-prepaid envelope so that your 
 shares can be voted at the special shareholder meeting. If a returned proxy card is signed and dated but does not specify how you wish to vote your shares, your proxy will be voted “FOR” the: (i) approval of the Merger                             
 Proposal; (ii) approval of the Merger-Related Compensation Proposal; and (iii) approval of the Adjournment Proposal.                                                                                                                                   |

| Q: | What if I don’t vote or I abstain from voting? |

| A: | As a holder of First Savings common stock, if you do not vote or you abstain from voting, your abstention will                                                                                                            
 count as a vote “AGAINST” the Merger Proposal. The advisory vote on the Merger-Related Compensation Proposal regarding merger-related compensation payable to First Savings’ named executive officers and the vote on the 
 Adjournment Proposal require that