First Defiance Financial Corp. (First Defiance) is a unitary thrift holding company that, through its subsidiaries, focuses on traditional banking and property and casualty, life and group health insurance products. Its traditional banking activities include originating and servicing residential, commercial and consumer loans, and providing a range of depository services. The Company’s insurance activities consist primarily of commissions relating to the sale of property and casualty, life and group health insurance and investment products. First Defiance’s core business operations are conducted through its subsidiaries, First Federal Bank of the Midwest (First Federal), and First Insurance & Investments (First Insurance). First Federal is a federally chartered stock savings bank headquartered in Defiance, Ohio. In March 2008, the Company completed the acquisition of Pavilion Bancorp Inc. and its subsidiary, the Bank of Lenawee, through the merger of Pavilion into First Defiance.