First Merchants Corporation is a financial holding Company. The Corporation has one full-service bank charter, First Merchants Bank, National Association (the Bank), which opened for business in Muncie, Indiana. The Bank also operates Lafayette Bank and Trust, Commerce National Bank and First Merchants Trust Company as divisions of First Merchants Bank, N.A. The Corporation�s business activities are limited to one business segment that is community banking. Through the Bank, the Corporation offers a broad range of financial services, including accepting time deposits, 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.