Company: FRME
Filing Date: 2025-11-06
Form Type: 424B3
Source: 0001193125-25-268801
Chunk: 113

Company: FIRST MERCHANTS CORP
Filing Date: 2025-11-06
Form: 424B3
Chunk 113
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 employees.

First Savings’ common stock is traded on the Nasdaq Capital Market under the symbol “FSFG.” Its principal executive office
is located at 702 North Shore Drive, Suite 300, Jeffersonville, IN 47130, and its telephone number is (812) 283-0724.

Incorporation of Certain Information Regarding First Savings by Reference

The foregoing information concerning First Savings does not purport to be complete. Certain additional information relating to First
Savings’ business, management, executive officer and director compensation, voting securities, and certain relationships is incorporated by reference in this document from other documents filed by First Savings with the SEC and listed under
“WHERE YOU CAN FIND ADDITIONAL INFORMATION” on page 89. If you desire copies of any of these documents, you may contact First Savings at its address or telephone number indicated under “WHERE YOU CAN FIND ADDITIONAL
INFORMATION” on page 89.

78

COMPARISON OF COMMON STOCK The following summary comparison of First Merchants common stock and First Savings common stock includes the material features of such stocks and the material differences in the rights of holders of shares of such stocks. Because this is a summary, it does not contain all of the information that is important to you and is qualified in its entirety by reference to First Merchants’ Articles of Incorporation and Bylaws and First Savings’ Articles of Incorporation and Bylaws. Governing Law Following the Merger, the rights of former First Savings shareholders who receive shares of First Merchants common stock will be governed by the laws of the State of Indiana, the state in which First Merchants is incorporated, and by First Merchants’ Articles of Incorporation and Bylaws. The rights of First Savings shareholders are presently governed by the laws of the State of Indiana, the state in which First Savings is incorporated, and by First Savings’ Articles of Incorporation and Bylaws. The rights of First Savings shareholders differ in certain respects from the rights they will have as First Merchants shareholders, including certain preferential rights of preferred shareholders and the vote required for the amendment of certain significant provisions of the Articles of Incorporation and for the approval of certain significant corporate transactions.

| Authorized But Unissued Shares                                                                                                                                                                                                                                                                                                                                                                     |     |                                                                                                                                                                                                                                            |
| First Merchants                                                                                                                                                                                                                                                                                                                                                                                    
 First Merchants’ Articles of Incorporation authorize the issuance of 100,000,000 shares of common stock, of which 57,732,339 shares were outstanding as                                                                                                                                                                                                                                            
 of July 28,