Company: FRME
Filing Date: 2025-11-06
Form Type: 424B3
Source: 0001193125-25-268801
Chunk: 12

Company: FIRST MERCHANTS CORP
Filing Date: 2025-11-06
Form: 424B3
Chunk 12
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 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 failure to vote                                                                                                                   
 or 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 there be more votes in favor than against. As a result, abstentions and broker non-votes will have no effect on the Merger-Related Compensation Proposal or the                    
 Adjournment Proposal.                                                                                                                                                                                                            |

| Q: | If my shares are held by my broker in “street name,” will my broker vote my shares for me? |

| A: | Your broker will vote any shares you hold in “street name” only if you provide instructions to your                 
 broker on how to vote your shares. You should follow the directions provided by your broker to vote your shares. If |

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| you do not provide your broker with instructions on how to vote your shares held in “street name,” your broker will not be permitted to vote your shares, which will have the effect of 
 a vote “AGAINST