First Defiance Financial Corp. (First Defiance) is a unitary thrift holding company that, through its subsidiaries, First Federal Bank of the Midwest (First Federal) and First Insurance & Investments, Inc. (First Insurance), focuses on traditional banking and property and casualty and life and group health insurance products. The Company’s banking activities include originating and servicing residential, commercial and consumer loans, and providing a range of depository services. The Company’s insurance activities consist of commissions relating to the sale of property and casualty and life and group health insurance products. As of December 31, 2010, the Company had consolidated assets of $2.04 billion, consolidated deposits of $1.58 billion, and consolidated stockholders’ equity of $240.3 million. In May 2010, First Insurance acquired a group medical benefits business line from Andres O’Neil & Lowe Insurance Agency.