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Content analysis
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| Readability |
H.S. sophomore Bad
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New words:
Allentown, Asia, Avenue, Buckeye, built, buyback, cycle, depict, differentiation, diminishing, directorship, Europe, fashion, felt, flatten, FSA, heading, introduction, inverted, investee, migration, MUFG, neutral, notion, oil, parallel, pipeline, promised, provisional, quantity, ramp, realistic, receipt, recession, recommend, recouped, safekeeping, sample, SBA, Simplify, Simplifying, statistical, steady, steepen, TARP, thereto, thousand, transferor, turmoil, undrawn, Union, upkeep
Removed:
acknowledged, actively, add, amend, amending, anniversary, approximate, auction, bid, caption, CDO, closing, comport, continually, CPP, deducted, drop, Dutch, EESA, Emergency, flat, FRB, improve, letter, newly, pace, PDI, penalty, perpetual, pooled, predictive, pressure, promulgated, protecting, receiving, redeem, redeeming, refine, rent, restriction, segmented, stabilization, stabilized, structured, subjected, team, thereunder, traditionally, transition, treatment, trended, uncertainty, voluntarily, waived, weighting
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Exhibit 21
List of Subsidiaries of First Defiance Financial Corp.
| Name | Jurisdiction of Incorporation |
| First Federal Bank of the Midwest | Federal |
| First Insurance Group of the Midwest | OH |
| First Defiance Risk Management, Inc. | NV |