First Merchants Corp., incorporated in 1982, is the bank holding company for First Merchants Bank N.A. (the Bank). The Company is headquartered in Muncie, Indiana, and is engaged in conducting commercial banking business through the offices of its 10 banking subsidiaries. Through its bank subsidiaries, First Merchants offers financial services, including accepting time, savings and demand deposits; making consumer, commercial, agri-business and real estate mortgage loans; renting safe deposit facilities; providing personal and corporate trust services; providing full-service brokerage, and providing other corporate services, letters of credit and repurchase agreements. Through various non-bank subsidiaries, the Company offers personal and commercial lines of insurance and engages in the title agency business and the reinsurance of credit life, accident and health insurance.