Company: FRME
Filing Date: 2025-10-17
Form Type: S-4/A
Source: 0001193125-25-242318
Chunk: 130

Company: FIRST MERCHANTS CORP
Filing Date: 2025-10-17
Form: S-4/A
Chunk 130
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 forth in the First Savings Disclosure Letter, there are no claims of any kind, nor any action, suits, proceedings, arbitrations or investigations pending or, to the knowledge of First Savings’s Management, threatened in any court
or before any government agency or body,

A-10

arbitration panel or otherwise (nor does First Savings’s Management have any knowledge of a basis for any claim, action, suit, proceeding, arbitration or investigation) which could
reasonably be expected to have a Material Adverse Effect. To the knowledge of First Savings’s Management, there are no uncured violations, criticisms or exceptions, or violations with respect to which refunds or restitutions may be required,
cited in any report, correspondence or other communication to First Savings or any Subsidiary as a result of an examination by any regulatory agency or body which could reasonably be expected to have a Material Adverse Effect.

5.8 .

(a) First Savings’s consolidated audited balance sheets as of September 30, 2024 and 2023, the unaudited
consolidated balance sheet as of June 30, 2025 and the related consolidated statements of income, comprehensive income, changes in shareholders’ equity and cash flows for the years or period then ended (hereinafter collectively referred
to as the “Financial Information”) present fairly the consolidated financial condition or position of First Savings as of the respective dates thereof and the consolidated results of operations of First Savings for the respective
periods covered thereby and have been prepared in conformity with GAAP applied on a consistent basis.

(b) All loans
reflected in the Financial Information and which have been made, extended or acquired since June 30, 2025 (i) have been made for good, valuable and adequate consideration in the ordinary course of business; (ii) constitute the legal,
valid and binding obligation of the obligor and any guarantor named therein; (iii) are evidenced by notes, instruments or other evidences of indebtedness which are true, genuine and what they purport to be; and (iv) to the extent that the
Bank has a security interest in collateral or a mortgage securing such loans, are secured by perfected security interests or mortgages naming the Bank as the secured party or mortgagee, except for such unperfected security interests or mortgages
naming the Bank as secured party or mortgagee which would not, on an aggregate basis, be material to the Bank.

5.9 . Except for events and conditions relating to the business and