Company: FRME
Filing Date: 2025-10-10
Form Type: S-4
Source: 0001193125-25-237211
Chunk: 83

Company: FIRST MERCHANTS CORP
Filing Date: 2025-10-10
Form: S-4
Chunk 83
---
ors and financial advisors.

Neither First Merchants nor First Savings endorses the prospective financial information as necessarily
predictive of actual future results. Furthermore, although presented with numerical specificity, the prospective financial information reflects numerous estimates and assumptions with respect to, among other things, economic, competitive,
regulatory, and financial market conditions and future business decisions that may not be realized and that are inherently subject to significant business, economic, competitive, and regulatory uncertainties and contingencies, including, among other
things, the inherent uncertainty of the business and

56

economic conditions affecting the industry in which First Merchants and First Savings operate and the risks and uncertainties described under the sections entitled “RISK FACTORS”
beginning on page [●] and “FORWARD-LOOKING STATEMENTS” beginning on page [●] and in the reports First Merchants and First Savings have filed or file with the SEC from time to time, all of which are difficult to predict
and many of which are outside the control of First Merchants and First Savings and will be beyond the control of the combined company. There can be no assurance that the underlying assumptions or projected results will be realized, and actual
results could differ materially from those reflected in the prospective financial information, whether or not the mergers are completed. Further, these assumptions do not include all potential actions that the management of First Merchants or First
Savings could or might have taken during these time periods. In addition, since the prospective financial information covers multiple years, such information by its nature becomes subject to greater uncertainty with each successive year. The
inclusion in this proxy statement and prospectus of the prospective financial information below should not be regarded as an indication that First Merchants, First Savings, or their respective boards of directors or financial advisors considered, or
now consider, this prospective financial information to be material information to any holders of First Merchants common stock or holders of First Savings common stock, as the case may be, particularly in light of the inherent risks and
uncertainties associated with such prospective financial information, or that it should be construed as financial guidance, and it should not be relied on as such. The prospective financial information is not fact and should not be relied upon as
necessarily indicative of actual future results. The prospective financial information also reflects numerous variables, expectations, and assumptions available at the time it was prepared as to certain business decisions that are subject to change
and does not take into account any circumstances or events occurring after the date it was prepared, including the transactions