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FFD Financial Corporation ("FFD") an Ohio corporation formed in 1996, is a bank holding company which owns all of the issued and outstanding common shares of First Federal Community Bank, National Association, a national bank ("First Federal"). FFD acquired all of the common shares issued by First Federal upon its conversion from a mutual savings bank to a stock savings bank in April 1996 (the "Conversion"). First Federal then subsequently converted to a national bank in February 2012.

First Federal has conducted business in Tuscarawas County, Ohio since it was incorporated in 1898 as an Ohio savings and loan association under the name "Dover Building & Loan Company." First Federal obtained a federal savings and loan charter in 1937 under the name "First Federal Savings & Loan Association." In 1983, First Federal changed its charter to a federal savings bank charter under the name "First Federal Savings Bank of Dover." In August 2001, First Federal adopted its present name. In February 2012, First Federal changed its charter to a national bank charter. First Federal presently conducts its business from its branches in Dover, New Philadelphia, Uhrichsville, Berlin, Mt. Hope and Sugarcreek, Ohio.

FFD is subject to regulation and examination by the Federal Reserve Bank (the "FRB") and the United States Securities and Exchange Commission (the "SEC"). First Federal is subject to supervision and regulation by the Office of the Comptroller of the Currency (the "OCC")and the Federal Deposit Insurance Corporation (the "FDIC") and is a member of the Federal Home Loan Bank (the "FHLB") of Cincinnati and the Federal Reserve Bank of Cleveland. First Federal's deposits are insured up to applicable limits by the Federal Deposit Insurance Corporation (the "FDIC").

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