Exhibit 99.1

INSTRUCTIONS AS TO USE OF

DCB FINANCIAL CORP RIGHTS CERTIFICATES

CONSULT THE INFORMATION AGENT, YOUR BANK OR BROKER

AS TO ANY QUESTIONS

The following instructions relate to a rights offering by DCB Financial Corp, an Ohio corporation (“we,” “us,” “our,” or the “Company”), to the shareholders of its common stock, no par value, as described in the prospectus dated             , 2012. Holders of our common stock as of 5:00 p.m., Eastern Time, on             , 2012 (the “Record Date”) are receiving, at no charge, one non-transferable subscription right for every three common shares owned as of that date. The total number of common shares available to all of our shareholders as a group upon exercise of the subscription rights is 1,307,799.

The subscription rights give our shareholders the opportunity to purchase our common shares for $3.80 per share. Each subscription right includes a basic subscription right and an over-subscription privilege. Under the basic subscription right, for every three common shares that you own as of the Record Date, you will be entitled to purchase one common share at the subscription price of $3.80 per share. The over- subscription privilege of each subscription right entitles you, if you have fully exercised your basic subscription right, to request to purchase any portion of the shares not purchased by our other shareholders through the exercise of their respective basic subscription rights. If sufficient common shares are available, we will honor the over-subscription requests in full. If, however, over-subscription requests exceed the number of common shares available for sale in the rights offering, we will allocate the available common shares pro rata among each shareholder exercising his or her over-subscription privilege in proportion to the number of common shares subscribed for by each such shareholder under their basic subscription right relative to the number of common shares subscribed for by all shareholders exercising their over-subscription privilege under their basic subscription right. If this pro rata allocation results in any shareholder receiving a greater number of common shares than the shareholder subscribed for pursuant to the exercise of their over-subscription privilege, then such shareholder will be allocated only that number of shares for which such shareholder over-subscribed, and the remaining common shares will be allocated among all other shareholders exercising the over-subscription privilege on the same pro rata basis described above. The proration process will be repeated until all common shares have been allocated or all over-subscription requests have been satisfied.

In order to properly exercise your over-subscription privilege, you must deliver the subscription payment related to your over-subscription privilege prior to the expiration of the rights offering. Because we will not know the total number of unsubscribed shares prior to the expiration of the rights offering, if you wish to maximize the number of shares you purchase pursuant to your over-subscription privilege, you will need to deliver payment in an amount equal to the aggregate subscription price for the maximum number of common shares that may be available to you (i.e., for the maximum number of common shares available to you, assuming you fully exercise your basic subscription right and are allotted the full amount of your over-subscription as elected by you). We can provide no assurance that you will actually be entitled to purchase the number of shares issuable upon the exercise of your over-subscription privilege in full at the expiration of the rights offering. We will not be able to satisfy your exercise of the over-subscription privilege if all of our shareholders exercise their basic subscription privileges in full, and we will only honor an over-subscription privilege to the extent a sufficient amount of common shares are available following the exercise of subscription rights under the basic subscription rights. See the section “The Rights Offering” in the Prospectus.

You are not required to exercise any or all of your subscription rights.

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The certificates representing the shares issued upon exercise of the subscription rights will be sent promptly after the expiration time of the rights offering, which is at 5:00 p.m. Eastern Time on             , 2012 (the “Expiration Time”), unless the rights offering is extended, and after all pro rata allocations and adjustments have been completed.

You must properly complete the enclosed rights certificate and deliver it, along with the full subscription price (including any amounts in respect of your over-subscription privilege), to the subscription agent, Broadridge Corporate Issuer Solutions Inc., before the Expiration Time, unless it is extended. If you send your rights certificate(s) and subscription price payment by mail, we recommend that you send them by registered mail, properly insured, with return receipt requested.

The subscription rights will expire after the Expiration Time, and the subscription rights will have no value and any attempt to exercise a subscription right after the Expiration Time will be null and void. We will not be obligated to honor your exercise of subscription rights if the subscription agent receives the documents or payment for the subscription price relating to your exercise after the Expiration Time, regardless of when you transmitted the documents or payment. See “The Rights Offering—Expiration Time” in the Prospectus.

If you have any questions concerning the rights offering, please contact the subscription agent, Broadridge Corporate Issuer Solutions, Inc., Attn: Re-Organization Department, 1981 Marcus Avenue, Suite 100, Lake Success, NY 11042, by telephone at 1-800-733-1121 (toll-free) or by email at                     .

YOUR RIGHTS CERTIFICATES AND SUBSCRIPTION PRICE PAYMENT FOR EACH RIGHT THAT IS EXERCISED PURSUANT TO THE BASIC SUBSCRIPTION RIGHT, PLUS THE FULL SUBSCRIPTION PRICE FOR ANY ADDITIONAL COMMON SHARES SUBSCRIBED FOR PURSUANT TO THE OVER-SUBSCRIPTION PRIVILEGE, MUST BE RECEIVED BY THE SUBSCRIPTION AGENT ON OR BEFORE THE EXPIRATION TIME. ONCE A HOLDER OF RIGHTS HAS EXERCISED THE BASIC SUBSCRIPTION RIGHT OR THE OVER-SUBSCRIPTION PRIVILEGE, SUCH EXERCISE MAY NOT BE REVOKED, EVEN IF THE RIGHTS OFFERING IS EXTENDED BY OUR BOARD OF DIRECTORS. RIGHTS NOT EXERCISED PRIOR TO THE EXPIRATION TIME OF THE RIGHTS OFFERING WILL EXPIRE WITHOUT VALUE.

To exercise your subscription rights, complete your subscription rights certificate and send the properly completed and executed subscription rights certificate evidencing such subscription rights with any signatures required to be guaranteed so guaranteed, together with payment in full of the subscription price for each share of common stock subscribed for pursuant to the basic subscription right plus the full subscription price for any unsubscribed shares you elect to subscribe for pursuant to the over-subscription privilege, to the subscription agent, on or prior to the Expiration Time. Payment of the subscription price will be held in a segregated account to be maintained by the subscription agent. All payments must be made in United States dollars for the full number of shares of common stock being subscribed for, by cashier’s or certified check drawn upon a United States bank payable to “Broadridge Corporate Issuer Solutions, as Subscription Agent for DCB Financial Corp”, by mail, by overnight courier or by hand to the address below:

Broadridge Corporate Issuer Solutions, Inc.

Attn: Subscription Department

1981 Marcus Avenue, Suite 100,

Lake Success, NY 11042

Telephone Number for Information:

1-800-733-1121 (toll free)

Delivery to an address or by a method other than those above will not constitute valid delivery.

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When making arrangements with your bank or broker for the delivery of funds on your behalf you may also request such bank or broker to exercise the subscription rights certificate on your behalf.

If you do not indicate the number of subscription rights being exercised, or do not forward full payment of the subscription price, then you will be deemed to have exercised your subscription rights with respect to the maximum number of subscription rights that may be exercised with the aggregate subscription price you delivered to the subscription agent. Unless you have specified the number of shares you wish to purchase upon exercise of your over-subscription privilege, any payment in excess of that required to exercise your basic subscription right will be refunded. If we do not apply your full subscription price payment to your purchase of common shares, the excess subscription payment received by the subscription agent will be returned to you by mail, without interest or deduction, promptly after completion of the rights offering and after all pro rata allocations and adjustments have been completed.

Brokers, custodian banks and other nominee holders of subscription rights who exercise the basic subscription right and the over-subscription privilege on behalf of beneficial owners of subscription rights will be required to certify to the subscription agent and the Company, in connection with the exercise of the over-subscription privilege, as to the aggregate number of subscription rights that have been exercised pursuant to the basic subscription right and the number of common shares that are being subscribed for pursuant to the over-subscription privilege, by each beneficial owner of subscription rights (including such nominee itself) on whose behalf such nominee holder is acting.

We can provide no assurances that each shareholder will actually be entitled to purchase the number of common shares issuable upon the exercise of its over-subscription privilege in full at the expiration of the rights offering. We will not be able to satisfy a shareholder’s exercise of the over-subscription privilege if all of the shareholders exercise their basic subscription rights in full, and we will only honor an over-subscription privilege to the extent sufficient common shares are available following the exercise of subscription rights under the basic subscription rights.

To the extent the aggregate subscription price of the maximum number of unsubscribed shares available to a shareholder pursuant to the over-subscription privilege is less than the amount the shareholder actually paid in connection with the exercise of the over-subscription privilege, the shareholder will be allocated only the number of unsubscribed shares available to it, and the shareholder’s excess subscription payment received by the subscription agent will be returned promptly, without interest or penalty. To the extent the amount the shareholder actually paid in connection with the exercise of the over-subscription privilege is less than the aggregate subscription price of the maximum number of unsubscribed shares available to the shareholder pursuant to the over-subscription privilege, such shareholder will be allocated the number of unsubscribed shares for which it actually paid in connection with the over-subscription privilege.

The following deliveries and payments will be made to the address shown on the face of your rights certificate, unless you provide instructions to the contrary in your rights certificate.

(a) Basic subscription right. Promptly following the Expiration Time and the valid exercise of the subscription rights, the subscription agent will mail to each exercising subscription rights holder certificates representing common shares purchased pursuant to the basic subscription right.

(b) Over-Subscription Privilege. Promptly following the Expiration Time and after all prorations and adjustments contemplated by the terms of the rights offering have been effected, the subscription agent will mail to each subscription rights holder that validly exercises the over-subscription privilege certificates representing the number of common shares, if any, allocated to such subscription rights holder pursuant to the over-subscription privilege.

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(c) Excess Cash Payments. Promptly following the Expiration Time and after all prorations and adjustments contemplated by the terms of the rights offering have been effected, any excess subscription payments received in payment of the subscription price the subscription agent will be mailed to each subscription rights holder, without interest or penalty.

The subscription rights may not be sold, transferred or assigned and will not be listed for trading on any stock exchange or trading market

(a) Execution by Registered Holder. The signature on the rights certificate must correspond with the name of the registered holder exactly as it appears on the face of the rights certificate without any alteration or change whatsoever. Persons who sign the rights certificate in a representative or other fiduciary capacity must indicate their capacity when signing and, unless waived by the subscription agent in its sole and absolute discretion, must present to the subscription agent satisfactory evidence of their authority to so act.

(b) Execution by Person Other than Registered Holder. If the rights certificate is executed by a person other than the holder named on the face of the rights certificate, proper evidence of authority of the person executing the rights certificate must accompany the same unless, for good cause, the subscription agent dispenses with proof of authority.

(c) Signature Guarantees. Your signature must be guaranteed by an eligible institution if you specify special payment or delivery instructions.

The method of delivery of rights certificates and payment of the subscription price to the subscription agent will be at the election and risk of the subscription rights holder.

In the case of rights that are held of record through The Depository Trust Company (“DTC”), exercises of the basic subscription right and of the over-subscription privilege may be effected by instructing DTC to transfer the subscription rights from the DTC account of such holder to the DTC account of the subscription agent, together with certification as to the aggregate number of subscription rights exercised subscribed for pursuant to the basic subscription right and the number of unsubscribed shares subscribed for pursuant to the over-subscription privilege by each beneficial owner of the subscription rights on whose behalf such nominee is acting, and payment of the subscription price for each share of common stock subscribed for pursuant to the basic subscription right and the over-subscription privilege.

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