MutualFirst Financial Culture Company

Mr. Christopher L. Caldwell has been Senior Vice President of Business Banking of Mutual bank at Mutualfirst Financial Inc. since December 2012.

Mr. Charles J. Viater, also known as Chuck, is a Senior Vice President of MutualFirst Financial, Inc. (the ???Company???) and Regional President of MutualBank (the ???Bank???) since July 2008. Mr. Viater is a Director at MutualFirst Financial, Inc. from July 21, 2008. He had served as President, Chief Executive Officer and a Director of MFB Corp. (???MFB???) and its banking subsidiary for 13 years prior to their acquisition by the Company in 2008. He is a CPA.

Mr. Christopher D. Cook, also known as Cook, has served as Senior Vice President, Treasurer and Chief Financial Officer of MutualFirst Financial, Inc. and MutualBank (???Bank???) since May 01, 2010. Mr. Cook serves as Principal Accounting Officer at MutualFirst Financial, Inc. He began his career with Bank in 1996. Since that time he has served as Profitability Analyst, Assistant Treasurer, Controller and Director of Finance. He is a a Certified Public Accountant.

Mr. Patrick C. Botts, also known as Pat, is the Executive Vice President of the MutualFirst Financial, Inc. and President and Chief Operating Officer of MutualBank (the Bank) since November 2003. Mr. Botts has served on the Board of Directors of MutualFirst Financial, Inc. (the Company) since 2003. He is the Executive Vice President of the MutualFirst Financial, Inc. and President and Chief Operating Officer of MutualBank (the Bank) since November 2003. Prior to that appointment, he had served as the Executive Vice President and Chief Operating Officer of the Bank since April 2002. From 2001 to 2002, he served as Vice President of Human Resources, Marketing and Administration of the Bank. Prior to 2001, he served as Vice President of Retail Lending for the Bank and has been employed by the Bank since 1986.

Gary Kern serves as the Chief Information Officer (CIO), VP of MutualBank. Gary started at MutualBank in November of 2004. Gary currently resides in the Muncie, Indiana Area.

Robin T serves as the Manager of Deposits and Sales, VP of MutualBank. Robin started at MutualBank in September of 1986. Robin currently resides in the Muncie, Indiana Area.

Chris Caldwell serves as the Senior Vice President, Manager of Commercial and Business Banking of MutualBank. Chris started at MutualBank in November of 2012. Chris currently resides in the Muncie, Indiana Area.