<SEC-DOCUMENT>0000927971-25-000027.txt : 20251113
<SEC-HEADER>0000927971-25-000027.hdr.sgml : 20251113
<ACCEPTANCE-DATETIME>20251113090528
ACCESSION NUMBER:		0000927971-25-000027
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250930
FILED AS OF DATE:		20251113
DATE AS OF CHANGE:		20251113
EFFECTIVENESS DATE:		20251113

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANK OF MONTREAL /CAN/
		CENTRAL INDEX KEY:			0000927971
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		STATE OF INCORPORATION:			A6
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-07640
		FILM NUMBER:		251475743

	BUSINESS ADDRESS:	
		STREET 1:		1 FIRST CANADIAN PLACE
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5X 1A1
		BUSINESS PHONE:		000-000-0000

	MAIL ADDRESS:	
		STREET 1:		1 FIRST CANADIAN PLACE
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5X 1A1
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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        <overrideInternetFlag>false</overrideInternetFlag>
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      <filer>
        <credentials>
          <cik>0000927971</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2025</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2025</reportCalendarOrQuarter>
      <filingManager>
        <name>BANK OF MONTREAL /CAN/</name>
        <address>
          <com:street1>1 FIRST CANADIAN PLACE</com:street1>
          <com:city>TORONTO</com:city>
          <com:stateOrCountry>A6</com:stateOrCountry>
          <com:zipCode>M5X 1A1</com:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-07640</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>Kathryn Cenac</name>
      <title>Managing Director, Regulatory Solution Group</title>
      <phone>00-44-7423-570338</phone>
      <signature>/s/ Kathryn Cenac</signature>
      <city>London</city>
      <stateOrCountry>X0</stateOrCountry>
      <signatureDate>11-13-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>11</otherIncludedManagersCount>
      <tableEntryTotal>13045</tableEntryTotal>
      <tableValueTotal>260693510338</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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            <name>Bank of Montreal Europe Plc</name>
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          <sequenceNumber>2</sequenceNumber>
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            <name>BMO CAPITAL MARKETS CORP.</name>
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            <name>BMO Capital Markets Ltd</name>
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            <cik>0001599965</cik>
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            <name>BMO Family Office, LLC</name>
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            <name>BMO NESBITT BURNS INC.</name>
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          <sequenceNumber>9</sequenceNumber>
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            <cik>0001600095</cik>
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        </otherManager2>
        <otherManager2>
          <sequenceNumber>10</sequenceNumber>
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            <cik>0001047797</cik>
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          <sequenceNumber>11</sequenceNumber>
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            <cik>0001336488</cik>
            <form13FFileNumber>028-11481</form13FFileNumber>
            <crdNumber>000111320</crdNumber>
            <secFileNumber>801-54265</secFileNumber>
            <name>Stoker Ostler Wealth Advisors, Inc.</name>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>MajorUS13FBMO20250930.xml
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<votingAuthority><Sole>1519</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACADIAN ASSET MANAGEMENT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>10948W103</cusip>         <value>44307</value>         <shrsOrPrnAmt><sshPrnamt>920</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>889</Sole>             <Shared>0</Shared>             <None>31</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACADIAN ASSET MANAGEMENT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>10948W103</cusip>         <value>85966</value>         <shrsOrPrnAmt><sshPrnamt>1785</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1785</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACADIAN ASSET MANAGEMENT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>10948W103</cusip>         <value>187198</value>         <shrsOrPrnAmt><sshPrnamt>3887</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3887</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G1151C101</cusip>         <value>180733880</value>         <shrsOrPrnAmt><sshPrnamt>732903</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>732903</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G1151C101</cusip>         <value>23026275</value>         <shrsOrPrnAmt><sshPrnamt>93375</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>81539</Sole>             <Shared>0</Shared>             <None>11836</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G1151C101</cusip>         <value>143275</value>         <shrsOrPrnAmt><sshPrnamt>581</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>91</Sole>             <Shared>0</Shared>             <None>490</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G1151C101</cusip>         <value>3785803</value>         <shrsOrPrnAmt><sshPrnamt>15352</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>15352</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G1151C101</cusip>         <value>69482016</value>         <shrsOrPrnAmt><sshPrnamt>281760</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>281760</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G1151C101</cusip>         <value>3280273</value>         <shrsOrPrnAmt><sshPrnamt>13302</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>13302</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G1151C101</cusip>         <value>2388961</value>         <shrsOrPrnAmt><sshPrnamt>9688</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9688</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G1151C101</cusip>         <value>302332</value>         <shrsOrPrnAmt><sshPrnamt>1226</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1226</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G1151C101</cusip>         <value>29418147</value>         <shrsOrPrnAmt><sshPrnamt>119295</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>119295</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACI WORLDWIDE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>004498101</cusip>         <value>323269</value>         <shrsOrPrnAmt><sshPrnamt>6126</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6126</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACI WORLDWIDE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>004498101</cusip>         <value>105171</value>         <shrsOrPrnAmt><sshPrnamt>1993</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1620</Sole>             <Shared>0</Shared>             <None>373</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACI WORLDWIDE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>004498101</cusip>         <value>15356</value>         <shrsOrPrnAmt><sshPrnamt>291</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>291</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACI WORLDWIDE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>004498101</cusip>         <value>4855</value>         <shrsOrPrnAmt><sshPrnamt>92</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>92</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACUITY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00508Y102</cusip>         <value>746293</value>         <shrsOrPrnAmt><sshPrnamt>2167</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2167</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACUITY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00508Y102</cusip>         <value>306851</value>         <shrsOrPrnAmt><sshPrnamt>891</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>590</Sole>             <Shared>0</Shared>             <None>301</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACUITY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00508Y102</cusip>         <value>1247725</value>         <shrsOrPrnAmt><sshPrnamt>3623</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3623</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACUITY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00508Y102</cusip>         <value>63712</value>         <shrsOrPrnAmt><sshPrnamt>185</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>185</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACUREN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00510N102</cusip>         <value>506</value>         <shrsOrPrnAmt><sshPrnamt>38</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>38</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACUREN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00510N102</cusip>         <value>1160392</value>         <shrsOrPrnAmt><sshPrnamt>87182</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>87182</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACV AUCTIONS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>00091G104</cusip>         <value>130485</value>         <shrsOrPrnAmt><sshPrnamt>13167</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>7495</Sole>             <Shared>0</Shared>             <None>5672</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ACV AUCTIONS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>00091G104</cusip>         <value>31435</value>         <shrsOrPrnAmt><sshPrnamt>3172</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3172</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADAMS DIVERSIFIED EQUITY FD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>006212104</cusip>         <value>255357</value>         <shrsOrPrnAmt><sshPrnamt>11451</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>11451</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADAPTHEALTH CORP</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>00653Q102</cusip>         <value>53619</value>         <shrsOrPrnAmt><sshPrnamt>5991</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5991</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADAPTHEALTH CORP</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>00653Q102</cusip>         <value>122284</value>         <shrsOrPrnAmt><sshPrnamt>13663</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>13547</Sole>             <Shared>0</Shared>             <None>116</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADAPTIVE BIOTECHNOLOGIES COR</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00650F109</cusip>         <value>115790</value>         <shrsOrPrnAmt><sshPrnamt>7740</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>7740</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADAPTIVE BIOTECHNOLOGIES COR</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00650F109</cusip>         <value>3022</value>         <shrsOrPrnAmt><sshPrnamt>202</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>202</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADAPTIVE BIOTECHNOLOGIES COR</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00650F109</cusip>         <value>318468</value>         <shrsOrPrnAmt><sshPrnamt>21288</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>21288</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADIENT PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G0084W101</cusip>         <value>116066</value>         <shrsOrPrnAmt><sshPrnamt>4820</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4820</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADIENT PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G0084W101</cusip>         <value>79922</value>         <shrsOrPrnAmt><sshPrnamt>3319</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3179</Sole>             <Shared>0</Shared>             <None>140</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADIENT PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G0084W101</cusip>         <value>7970</value>         <shrsOrPrnAmt><sshPrnamt>331</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>331</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADIENT PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G0084W101</cusip>         <value>193</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADMA BIOLOGICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>000899104</cusip>         <value>207586</value>         <shrsOrPrnAmt><sshPrnamt>14160</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>14160</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADMA BIOLOGICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>000899104</cusip>         <value>31812</value>         <shrsOrPrnAmt><sshPrnamt>2170</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2019</Sole>             <Shared>0</Shared>             <None>151</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>99724189</value>         <shrsOrPrnAmt><sshPrnamt>282705</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>282705</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>46820508</value>         <shrsOrPrnAmt><sshPrnamt>132730</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>124239</Sole>             <Shared>0</Shared>             <None>8491</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>406015</value>         <shrsOrPrnAmt><sshPrnamt>1151</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>789</Sole>             <Shared>0</Shared>             <None>362</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>3390633</value>         <shrsOrPrnAmt><sshPrnamt>9612</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9612</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>75481445</value>         <shrsOrPrnAmt><sshPrnamt>213980</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>213980</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>34428400</value>         <shrsOrPrnAmt><sshPrnamt>97600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>97600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>447880</value>         <shrsOrPrnAmt><sshPrnamt>1270</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1270</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>5682162</value>         <shrsOrPrnAmt><sshPrnamt>16108</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>15986</Sole>             <Shared>0</Shared>             <None>122</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>58046424</value>         <shrsOrPrnAmt><sshPrnamt>164554</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>164554</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00724F101</cusip>         <value>16826175</value>         <shrsOrPrnAmt><sshPrnamt>47700</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>47700</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADT INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         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<infoTable><nameOfIssuer>ADVANTAGE SOLUTIONS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>00791N102</cusip>         <value>39226</value>         <shrsOrPrnAmt><sshPrnamt>25638</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>25638</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ADVANTAGE SOLUTIONS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>00791N102</cusip>         <value>153</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             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HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011642105</cusip>         <value>216089</value>         <shrsOrPrnAmt><sshPrnamt>4071</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2719</Sole>             <Shared>0</Shared>             <None>1352</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALARM COM HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011642105</cusip>         <value>21710</value>         <shrsOrPrnAmt><sshPrnamt>409</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>409</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALARM COM HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011642105</cusip>         <value>106</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALARM COM HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011642105</cusip>         <value>15938809</value>         <shrsOrPrnAmt><sshPrnamt>300279</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>300279</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011659109</cusip>         <value>409192</value>         <shrsOrPrnAmt><sshPrnamt>8220</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8220</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011659109</cusip>         <value>344378</value>         <shrsOrPrnAmt><sshPrnamt>6918</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5592</Sole>             <Shared>0</Shared>             <None>1326</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011659109</cusip>         <value>398</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011659109</cusip>         <value>242777</value>         <shrsOrPrnAmt><sshPrnamt>4877</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4877</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011659109</cusip>         <value>5476</value>         <shrsOrPrnAmt><sshPrnamt>110</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>110</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011659109</cusip>         <value>1095</value>         <shrsOrPrnAmt><sshPrnamt>22</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>22</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011659109</cusip>         <value>27479</value>         <shrsOrPrnAmt><sshPrnamt>552</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>552</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALASKA AIR GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>011659109</cusip>         <value>57944</value>         <shrsOrPrnAmt><sshPrnamt>1164</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1164</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>012653101</cusip>         <value>2857746</value>         <shrsOrPrnAmt><sshPrnamt>35246</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>35246</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>012653101</cusip>         <value>572182</value>         <shrsOrPrnAmt><sshPrnamt>7057</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1032</Sole>             <Shared>0</Shared>             <None>6025</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>012653101</cusip>         <value>14594</value>         <shrsOrPrnAmt><sshPrnamt>180</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>60</Sole>             <Shared>0</Shared>             <None>120</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>012653101</cusip>         <value>353914</value>         <shrsOrPrnAmt><sshPrnamt>4365</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4365</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>012653101</cusip>         <value>4872746</value>         <shrsOrPrnAmt><sshPrnamt>60098</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>60098</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>012653101</cusip>         <value>20270</value>         <shrsOrPrnAmt><sshPrnamt>250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>250</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>012653101</cusip>         <value>3309605</value>         <shrsOrPrnAmt><sshPrnamt>40819</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>40819</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>012653101</cusip>         <value>2837800</value>         <shrsOrPrnAmt><sshPrnamt>35000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>35000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>012653101</cusip>         <value>478372</value>         <shrsOrPrnAmt><sshPrnamt>5900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>5900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBERTSONS COS INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>013091103</cusip>         <value>795970</value>         <shrsOrPrnAmt><sshPrnamt>45458</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>45458</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBERTSONS COS INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>013091103</cusip>         <value>202468</value>         <shrsOrPrnAmt><sshPrnamt>11563</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10872</Sole>             <Shared>0</Shared>             <None>691</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBERTSONS COS INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>013091103</cusip>         <value>28979</value>         <shrsOrPrnAmt><sshPrnamt>1655</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>1655</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBERTSONS COS INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>013091103</cusip>         <value>73157</value>         <shrsOrPrnAmt><sshPrnamt>4178</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4178</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBERTSONS COS INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>013091103</cusip>         <value>2051314</value>         <shrsOrPrnAmt><sshPrnamt>117151</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>117151</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBERTSONS COS INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>013091103</cusip>         <value>308251</value>         <shrsOrPrnAmt><sshPrnamt>17604</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>17604</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALBERTSONS COS INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>013091103</cusip>         <value>21012</value>         <shrsOrPrnAmt><sshPrnamt>1200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCOA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>013872106</cusip>         <value>1278566</value>         <shrsOrPrnAmt><sshPrnamt>38874</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>38874</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCOA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>013872106</cusip>         <value>61603</value>         <shrsOrPrnAmt><sshPrnamt>1873</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>928</Sole>             <Shared>0</Shared>             <None>945</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCOA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>013872106</cusip>         <value>370769</value>         <shrsOrPrnAmt><sshPrnamt>11273</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11273</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCOA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>013872106</cusip>         <value>45586</value>         <shrsOrPrnAmt><sshPrnamt>1386</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1386</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCOA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>013872106</cusip>         <value>271211</value>         <shrsOrPrnAmt><sshPrnamt>8246</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>8246</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCOA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>013872106</cusip>         <value>10491910</value>         <shrsOrPrnAmt><sshPrnamt>319000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>319000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCON AG</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>H01301128</cusip>         <value>14123099</value>         <shrsOrPrnAmt><sshPrnamt>189745</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>189745</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCON AG</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>H01301128</cusip>         <value>74581</value>         <shrsOrPrnAmt><sshPrnamt>1002</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>451</Sole>             <Shared>0</Shared>             <None>551</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCON AG</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>H01301128</cusip>         <value>369704</value>         <shrsOrPrnAmt><sshPrnamt>4967</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4967</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCON AG</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>H01301128</cusip>         <value>677480</value>         <shrsOrPrnAmt><sshPrnamt>9102</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>9102</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCON AG</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>H01301128</cusip>         <value>4355835</value>         <shrsOrPrnAmt><sshPrnamt>58521</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>58521</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALCON AG</nameOfIssuer>         <titleOfClass>ORD 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<infoTable><nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>014491104</cusip>         <value>9095</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>015271109</cusip>         <value>35000133</value>         <shrsOrPrnAmt><sshPrnamt>419968</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>419968</Sole>             <Shared>0</Shared>             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<value>1241</value>         <shrsOrPrnAmt><sshPrnamt>7</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>5</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLEGION PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G0176J109</cusip>         <value>424044</value>         <shrsOrPrnAmt><sshPrnamt>2391</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2391</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLEGION PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G0176J109</cusip>         <value>3482267</value>         <shrsOrPrnAmt><sshPrnamt>19635</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>19635</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLEGION PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G0176J109</cusip>         <value>3921563</value>         <shrsOrPrnAmt><sshPrnamt>22112</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>22112</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLEGION PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G0176J109</cusip>         <value>2843807</value>         <shrsOrPrnAmt><sshPrnamt>16035</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>16035</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLEGRO MICROSYSTEMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>01749D105</cusip>         <value>258099</value>         <shrsOrPrnAmt><sshPrnamt>8839</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8839</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLEGRO MICROSYSTEMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>01749D105</cusip>         <value>125852</value>         <shrsOrPrnAmt><sshPrnamt>4310</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3414</Sole>             <Shared>0</Shared>             <None>896</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLEGRO MICROSYSTEMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>01749D105</cusip>         <value>4555</value>         <shrsOrPrnAmt><sshPrnamt>156</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>156</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLETE INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>018522300</cusip>         <value>273966</value>         <shrsOrPrnAmt><sshPrnamt>4126</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4126</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLETE INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>018522300</cusip>         <value>97409</value>         <shrsOrPrnAmt><sshPrnamt>1467</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1234</Sole>             <Shared>0</Shared>             <None>233</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLETE INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>018522300</cusip>         <value>92097</value>         <shrsOrPrnAmt><sshPrnamt>1387</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1387</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLETE INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>018522300</cusip>         <value>2722</value>         <shrsOrPrnAmt><sshPrnamt>41</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>41</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIANCEBERNSTEIN HLDG L P</nameOfIssuer>         <titleOfClass>UNIT LTD PARTN</titleOfClass>         <cusip>01881G106</cusip>         <value>38220</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIANCEBERNSTEIN HLDG L P</nameOfIssuer>         <titleOfClass>UNIT LTD PARTN</titleOfClass>         <cusip>01881G106</cusip>         <value>42042</value>         <shrsOrPrnAmt><sshPrnamt>1100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIANCEBERNSTEIN HLDG L P</nameOfIssuer>         <titleOfClass>UNIT LTD PARTN</titleOfClass>         <cusip>01881G106</cusip>         <value>334081</value>         <shrsOrPrnAmt><sshPrnamt>8741</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>8741</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>018802108</cusip>         <value>4908864</value>         <shrsOrPrnAmt><sshPrnamt>72821</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>72821</Sole>             <Shared>0</Shared>             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<Shared>0</Shared>             <None>96</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>018802108</cusip>         <value>428458</value>         <shrsOrPrnAmt><sshPrnamt>6356</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6356</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>018802108</cusip>         <value>876</value>         <shrsOrPrnAmt><sshPrnamt>13</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>13</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>018802108</cusip>         <value>205261</value>         <shrsOrPrnAmt><sshPrnamt>3045</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>3045</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>018802108</cusip>         <value>5513464</value>         <shrsOrPrnAmt><sshPrnamt>81790</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>81790</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>         <titleOfClass>NOTE  3.875% 3/1</titleOfClass>         <cusip>018802AC2</cusip>         <value>2161894</value>         <shrsOrPrnAmt><sshPrnamt>2012000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>2012000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIED GOLD CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>01921D204</cusip>         <value>5976584</value>         <shrsOrPrnAmt><sshPrnamt>342083</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>342083</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLIED GOLD CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>01921D204</cusip>         <value>419</value>         <shrsOrPrnAmt><sshPrnamt>24</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>24</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLISON TRANSMISSION HLDGS I</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>01973R101</cusip>         <value>2295919</value>         <shrsOrPrnAmt><sshPrnamt>27049</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>26760</Sole>             <Shared>0</Shared>             <None>289</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLISON TRANSMISSION HLDGS I</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>01973R101</cusip>         <value>110429</value>         <shrsOrPrnAmt><sshPrnamt>1301</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1301</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLISON TRANSMISSION HLDGS I</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>01973R101</cusip>         <value>18334</value>         <shrsOrPrnAmt><sshPrnamt>216</sshPrnamt>             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<shrsOrPrnAmt><sshPrnamt>2081</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>2004</Sole>             <Shared>0</Shared>             <None>77</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLSTATE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>020002101</cusip>         <value>2710600</value>         <shrsOrPrnAmt><sshPrnamt>12628</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12628</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLSTATE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>020002101</cusip>         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        <value>62064</value>         <shrsOrPrnAmt><sshPrnamt>289</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>289</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLSTATE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>020002101</cusip>         <value>309525</value>         <shrsOrPrnAmt><sshPrnamt>1442</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1442</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLSTATE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>020002101</cusip>         <value>18603286</value>         <shrsOrPrnAmt><sshPrnamt>86668</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>86668</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLY FINL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>02005N100</cusip>         <value>778434</value>         <shrsOrPrnAmt><sshPrnamt>19858</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>19858</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLY FINL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         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<titleOfClass>COM</titleOfClass>         <cusip>02005N100</cusip>         <value>140493</value>         <shrsOrPrnAmt><sshPrnamt>3584</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3584</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLY FINL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>02005N100</cusip>         <value>1406143</value>         <shrsOrPrnAmt><sshPrnamt>35871</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>35871</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALLY FINL 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<infoTable><nameOfIssuer>ALPHABET INC</nameOfIssuer>         <titleOfClass>CAP STK CL A</titleOfClass>         <cusip>02079K305</cusip>         <value>4369157</value>         <shrsOrPrnAmt><sshPrnamt>17973</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>17973</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ALPHABET INC</nameOfIssuer>         <titleOfClass>CAP STK CL A</titleOfClass>         <cusip>02079K305</cusip>         <value>1810102423</value>         <shrsOrPrnAmt><sshPrnamt>7445917</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>7445917</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable> 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<cusip>03769M106</cusip>         <value>3998100</value>         <shrsOrPrnAmt><sshPrnamt>30000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>30000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>         <titleOfClass>SER A MAND CNV</titleOfClass>         <cusip>03769M304</cusip>         <value>89607000</value>         <shrsOrPrnAmt><sshPrnamt>1275000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1275000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPFOLIO INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03783C100</cusip>         <value>449326</value>         <shrsOrPrnAmt><sshPrnamt>1630</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1630</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPFOLIO INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03783C100</cusip>         <value>24258</value>         <shrsOrPrnAmt><sshPrnamt>88</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>88</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPFOLIO INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03783C100</cusip>         <value>355877</value>         <shrsOrPrnAmt><sshPrnamt>1291</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1291</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE HOSPITALITY REIT INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>03784Y200</cusip>         <value>605148</value>         <shrsOrPrnAmt><sshPrnamt>50387</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>50387</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE HOSPITALITY REIT INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>03784Y200</cusip>         <value>481937</value>         <shrsOrPrnAmt><sshPrnamt>40128</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>39728</Sole>             <Shared>0</Shared>             <None>400</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE HOSPITALITY REIT INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>03784Y200</cusip>         <value>77729</value>         <shrsOrPrnAmt><sshPrnamt>6472</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6472</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>1979801213</value>         <shrsOrPrnAmt><sshPrnamt>7775208</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7775208</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>1027584828</value>         <shrsOrPrnAmt><sshPrnamt>4035600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3655969</Sole>             <Shared>32588</Shared>             <None>347043</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>15983380</value>         <shrsOrPrnAmt><sshPrnamt>62771</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>49128</Sole>             <Shared>0</Shared>             <None>13643</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>141371766</value>         <shrsOrPrnAmt><sshPrnamt>555205</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>555205</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>1295352972</value>         <shrsOrPrnAmt><sshPrnamt>5087197</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5087197</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>126763726</value>         <shrsOrPrnAmt><sshPrnamt>497835</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>497835</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>25826672</value>         <shrsOrPrnAmt><sshPrnamt>101428</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>101428</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>67471100</value>         <shrsOrPrnAmt><sshPrnamt>264977</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>262893</Sole>             <Shared>0</Shared>             <None>2084</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>2826630061</value>         <shrsOrPrnAmt><sshPrnamt>11100931</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>11100931</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>57902862</value>         <shrsOrPrnAmt><sshPrnamt>227400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>227400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>037833100</cusip>         <value>2164355</value>         <shrsOrPrnAmt><sshPrnamt>8500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>8500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED INDL TECHNOLOGIES IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03820C105</cusip>         <value>710056</value>         <shrsOrPrnAmt><sshPrnamt>2720</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2720</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED INDL TECHNOLOGIES IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03820C105</cusip>         <value>327618</value>         <shrsOrPrnAmt><sshPrnamt>1255</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1048</Sole>             <Shared>0</Shared>             <None>207</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED INDL TECHNOLOGIES IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03820C105</cusip>         <value>143055</value>         <shrsOrPrnAmt><sshPrnamt>548</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>548</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED INDL TECHNOLOGIES IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03820C105</cusip>         <value>43856</value>         <shrsOrPrnAmt><sshPrnamt>168</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>168</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038222105</cusip>         <value>105861431</value>         <shrsOrPrnAmt><sshPrnamt>517053</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>517053</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038222105</cusip>         <value>27746570</value>         <shrsOrPrnAmt><sshPrnamt>135521</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>116533</Sole>             <Shared>0</Shared>             <None>18988</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038222105</cusip>         <value>178124</value>         <shrsOrPrnAmt><sshPrnamt>870</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>235</Sole>             <Shared>0</Shared>             <None>635</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038222105</cusip>         <value>4849472</value>         <shrsOrPrnAmt><sshPrnamt>23686</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>23686</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038222105</cusip>         <value>19440063</value>         <shrsOrPrnAmt><sshPrnamt>94950</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>94950</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038222105</cusip>         <value>188975</value>         <shrsOrPrnAmt><sshPrnamt>923</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>923</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038222105</cusip>         <value>468659</value>         <shrsOrPrnAmt><sshPrnamt>2289</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2289</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038222105</cusip>         <value>608634</value>         <shrsOrPrnAmt><sshPrnamt>2973</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2973</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038222105</cusip>         <value>33651271</value>         <shrsOrPrnAmt><sshPrnamt>164361</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>164361</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLOVIN CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03831W108</cusip>         <value>108251644</value>         <shrsOrPrnAmt><sshPrnamt>150655</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>150655</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLOVIN CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03831W108</cusip>         <value>2592492</value>         <shrsOrPrnAmt><sshPrnamt>3608</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1844</Sole>             <Shared>0</Shared>             <None>1764</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLOVIN CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03831W108</cusip>         <value>2874</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLOVIN CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03831W108</cusip>         <value>6451052</value>         <shrsOrPrnAmt><sshPrnamt>8978</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>8978</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLOVIN CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03831W108</cusip>         <value>8848102</value>         <shrsOrPrnAmt><sshPrnamt>12314</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>12314</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APPLOVIN CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03831W108</cusip>         <value>104503021</value>         <shrsOrPrnAmt><sshPrnamt>145438</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>145438</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTARGROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038336103</cusip>         <value>622856</value>         <shrsOrPrnAmt><sshPrnamt>4660</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4660</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTARGROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038336103</cusip>         <value>467409</value>         <shrsOrPrnAmt><sshPrnamt>3497</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>397</Sole>             <Shared>0</Shared>             <None>3100</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTARGROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038336103</cusip>         <value>171753</value>         <shrsOrPrnAmt><sshPrnamt>1285</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1285</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTARGROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038336103</cusip>         <value>51994</value>         <shrsOrPrnAmt><sshPrnamt>389</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>389</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTIV PLC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>G3265R107</cusip>         <value>10748099</value>         <shrsOrPrnAmt><sshPrnamt>124659</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>124659</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTIV PLC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>G3265R107</cusip>         <value>848405</value>         <shrsOrPrnAmt><sshPrnamt>9840</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4644</Sole>             <Shared>0</Shared>             <None>5196</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTIV PLC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>G3265R107</cusip>         <value>9139</value>         <shrsOrPrnAmt><sshPrnamt>106</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>106</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTIV PLC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>G3265R107</cusip>         <value>203393</value>         <shrsOrPrnAmt><sshPrnamt>2359</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2359</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTIV PLC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>G3265R107</cusip>         <value>3956118</value>         <shrsOrPrnAmt><sshPrnamt>45884</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>45884</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTIV PLC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>G3265R107</cusip>         <value>4656</value>         <shrsOrPrnAmt><sshPrnamt>54</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>54</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTIV PLC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>G3265R107</cusip>         <value>16727</value>         <shrsOrPrnAmt><sshPrnamt>194</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>194</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTIV PLC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>G3265R107</cusip>         <value>13623</value>         <shrsOrPrnAmt><sshPrnamt>158</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>158</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>APTIV PLC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>G3265R107</cusip>         <value>3598564</value>         <shrsOrPrnAmt><sshPrnamt>41737</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>41737</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AQUESTIVE THERAPEUTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03843E104</cusip>         <value>263</value>         <shrsOrPrnAmt><sshPrnamt>47</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>47</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AQUESTIVE THERAPEUTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03843E104</cusip>         <value>106238</value>         <shrsOrPrnAmt><sshPrnamt>19005</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>19005</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARAMARK</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03852U106</cusip>         <value>722765</value>         <shrsOrPrnAmt><sshPrnamt>18822</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>18822</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARAMARK</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03852U106</cusip>         <value>565517</value>         <shrsOrPrnAmt><sshPrnamt>14727</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1405</Sole>             <Shared>0</Shared>             <None>13322</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARAMARK</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03852U106</cusip>         <value>307</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARAMARK</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03852U106</cusip>         <value>185510</value>         <shrsOrPrnAmt><sshPrnamt>4831</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4831</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARBOR REALTY TRUST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038923108</cusip>         <value>139511</value>         <shrsOrPrnAmt><sshPrnamt>11426</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11426</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARBOR REALTY TRUST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038923108</cusip>         <value>24823</value>         <shrsOrPrnAmt><sshPrnamt>2033</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1726</Sole>             <Shared>0</Shared>             <None>307</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARBOR REALTY TRUST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>038923108</cusip>         <value>31746</value>         <shrsOrPrnAmt><sshPrnamt>2600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARBUTUS BIOPHARMA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03879J100</cusip>         <value>3474294</value>         <shrsOrPrnAmt><sshPrnamt>765263</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>765263</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCBEST CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03937C105</cusip>         <value>92298</value>         <shrsOrPrnAmt><sshPrnamt>1321</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1321</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCBEST CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03937C105</cusip>         <value>107041</value>         <shrsOrPrnAmt><sshPrnamt>1532</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1490</Sole>             <Shared>0</Shared>             <None>42</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCBEST CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>03937C105</cusip>         <value>9363</value>         <shrsOrPrnAmt><sshPrnamt>134</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>134</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCELORMITTAL SA LUXEMBOURG</nameOfIssuer>         <titleOfClass>NY REGISTRY SH</titleOfClass>         <cusip>03938L203</cusip>         <value>34089</value>         <shrsOrPrnAmt><sshPrnamt>943</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>55</Sole>             <Shared>0</Shared>             <None>888</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCELORMITTAL SA LUXEMBOURG</nameOfIssuer>         <titleOfClass>NY REGISTRY SH</titleOfClass>         <cusip>03938L203</cusip>         <value>106643</value>         <shrsOrPrnAmt><sshPrnamt>2950</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2950</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCELORMITTAL SA LUXEMBOURG</nameOfIssuer>         <titleOfClass>NY REGISTRY SH</titleOfClass>         <cusip>03938L203</cusip>         <value>4982229</value>         <shrsOrPrnAmt><sshPrnamt>137821</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>137821</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G0450A105</cusip>         <value>14335884</value>         <shrsOrPrnAmt><sshPrnamt>158006</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>158006</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G0450A105</cusip>         <value>10683276</value>         <shrsOrPrnAmt><sshPrnamt>117748</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>109265</Sole>             <Shared>0</Shared>             <None>8483</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G0450A105</cusip>         <value>7531</value>         <shrsOrPrnAmt><sshPrnamt>83</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>78</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G0450A105</cusip>         <value>507997</value>         <shrsOrPrnAmt><sshPrnamt>5599</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5599</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G0450A105</cusip>         <value>3252943</value>         <shrsOrPrnAmt><sshPrnamt>35853</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>35853</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G0450A105</cusip>         <value>15656550</value>         <shrsOrPrnAmt><sshPrnamt>172562</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>172562</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G0450A105</cusip>         <value>1824671</value>         <shrsOrPrnAmt><sshPrnamt>20111</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>19941</Sole>             <Shared>0</Shared>             <None>170</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G0450A105</cusip>         <value>6456710</value>         <shrsOrPrnAmt><sshPrnamt>71164</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>71164</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCHER AVIATION INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03945R102</cusip>         <value>31662</value>         <shrsOrPrnAmt><sshPrnamt>3305</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3305</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCHER AVIATION INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03945R102</cusip>         <value>47402</value>         <shrsOrPrnAmt><sshPrnamt>4948</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4948</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCHER AVIATION INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03945R102</cusip>         <value>92897</value>         <shrsOrPrnAmt><sshPrnamt>9697</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>9697</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCHER AVIATION INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03945R102</cusip>         <value>52690</value>         <shrsOrPrnAmt><sshPrnamt>5500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>5500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCHER AVIATION INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>03945R102</cusip>         <value>52690</value>         <shrsOrPrnAmt><sshPrnamt>5500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>5500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>039483102</cusip>         <value>9220988</value>         <shrsOrPrnAmt><sshPrnamt>154352</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>154352</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>039483102</cusip>         <value>1115465</value>         <shrsOrPrnAmt><sshPrnamt>18672</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>7216</Sole>             <Shared>0</Shared>             <None>11456</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>039483102</cusip>         <value>9439</value>         <shrsOrPrnAmt><sshPrnamt>158</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>23</Sole>             <Shared>0</Shared>             <None>135</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>039483102</cusip>         <value>1212244</value>         <shrsOrPrnAmt><sshPrnamt>20292</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<infoTable><nameOfIssuer>ARES MANAGEMENT CORPORATION</nameOfIssuer>         <titleOfClass>CL A COM STK</titleOfClass>         <cusip>03990B101</cusip>         <value>480</value>         <shrsOrPrnAmt><sshPrnamt>3</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ARES MANAGEMENT CORPORATION</nameOfIssuer>         <titleOfClass>CL A COM STK</titleOfClass>         <cusip>03990B101</cusip>         <value>238396</value>         <shrsOrPrnAmt><sshPrnamt>1491</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>2300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ASTERA LABS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>04626A103</cusip>         <value>274903</value>         <shrsOrPrnAmt><sshPrnamt>1404</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1256</Sole>             <Shared>0</Shared>             <None>148</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ASTERA LABS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>04626A103</cusip>         <value>1371</value>         <shrsOrPrnAmt><sshPrnamt>7</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>7</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ASTERA LABS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>04626A103</cusip>         <value>182094</value>         <shrsOrPrnAmt><sshPrnamt>930</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>930</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ASTERA LABS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>04626A103</cusip>         <value>2181995</value>         <shrsOrPrnAmt><sshPrnamt>11144</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11144</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ASTERA LABS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>04626A103</cusip>         <value>1566</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>046353108</cusip>         <value>8197839</value>         <shrsOrPrnAmt><sshPrnamt>106854</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00206R102</cusip>         <value>2464719</value>         <shrsOrPrnAmt><sshPrnamt>87278</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>87278</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00206R102</cusip>         <value>591472</value>         <shrsOrPrnAmt><sshPrnamt>20944</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>20944</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00206R102</cusip>         <value>38964592</value>         <shrsOrPrnAmt><sshPrnamt>1379766</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1379766</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ATI INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>01741R102</cusip>         <value>1524881</value>         <shrsOrPrnAmt><sshPrnamt>18747</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>18747</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        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<value>7458273</value>         <shrsOrPrnAmt><sshPrnamt>285141</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>285141</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ATS CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00217Y104</cusip>         <value>2354080</value>         <shrsOrPrnAmt><sshPrnamt>90000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>90000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ATS CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00217Y104</cusip>         <value>21929350</value>         <shrsOrPrnAmt><sshPrnamt>838392</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>838392</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ATS CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00217Y104</cusip>         <value>3740</value>         <shrsOrPrnAmt><sshPrnamt>143</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>143</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ATS CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>00217Y104</cusip>         <value>496371</value>         <shrsOrPrnAmt><sshPrnamt>18977</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>18977</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AURA MINERALS INC</nameOfIssuer>         <titleOfClass>SHS NEW</titleOfClass>         <cusip>G06973112</cusip>         <value>829076</value>         <shrsOrPrnAmt><sshPrnamt>22281</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>22281</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>052769106</cusip>         <value>41350151</value>         <shrsOrPrnAmt><sshPrnamt>130167</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>130167</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>052769106</cusip>         <value>42441983</value>         <shrsOrPrnAmt><sshPrnamt>133604</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>127178</Sole>             <Shared>0</Shared>             <None>6426</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>052769106</cusip>         <value>309093</value>         <shrsOrPrnAmt><sshPrnamt>973</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>860</Sole>             <Shared>0</Shared>             <None>113</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>052769106</cusip>         <value>2264034</value>         <shrsOrPrnAmt><sshPrnamt>7127</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7127</None></votingAuthority></infoTable>  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<infoTable><nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G0692U109</cusip>         <value>26345</value>         <shrsOrPrnAmt><sshPrnamt>275</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>203</Sole>             <Shared>0</Shared>             <None>72</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G0692U109</cusip>         <value>3832</value>         <shrsOrPrnAmt><sshPrnamt>40</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>40</Sole>             <Shared>0</Shared>             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        <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>B2GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>11777Q209</cusip>         <value>226663</value>         <shrsOrPrnAmt><sshPrnamt>45860</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>45860</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>B2GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>11777Q209</cusip>         <value>18683</value>         <shrsOrPrnAmt><sshPrnamt>3780</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         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<votingAuthority><Sole>300000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BADGER METER INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>056525108</cusip>         <value>312694</value>         <shrsOrPrnAmt><sshPrnamt>1751</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1751</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BADGER METER INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>056525108</cusip>         <value>158043</value>         <shrsOrPrnAmt><sshPrnamt>885</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>834</Sole>             <Shared>0</Shared>             <None>51</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BADGER METER INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>056525108</cusip>         <value>1063087</value>         <shrsOrPrnAmt><sshPrnamt>5953</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5953</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAIDU INC</nameOfIssuer>         <titleOfClass>SPON ADR REP A</titleOfClass>         <cusip>056752108</cusip>         <value>16998</value>         <shrsOrPrnAmt><sshPrnamt>129</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>74</Sole>             <Shared>0</Shared>             <None>55</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAIDU INC</nameOfIssuer>         <titleOfClass>SPON ADR REP A</titleOfClass>         <cusip>056752108</cusip>         <value>16867</value>         <shrsOrPrnAmt><sshPrnamt>128</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>128</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAIDU INC</nameOfIssuer>         <titleOfClass>SPON ADR REP A</titleOfClass>         <cusip>056752108</cusip>         <value>1501651</value>         <shrsOrPrnAmt><sshPrnamt>11396</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11396</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAIDU INC</nameOfIssuer>         <titleOfClass>SPON ADR REP A</titleOfClass>         <cusip>056752108</cusip>         <value>263540</value>         <shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAIDU INC</nameOfIssuer>         <titleOfClass>SPON ADR REP A</titleOfClass>         <cusip>056752108</cusip>         <value>9224</value>         <shrsOrPrnAmt><sshPrnamt>70</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>70</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAIDU INC</nameOfIssuer>         <titleOfClass>SPON ADR REP A</titleOfClass>         <cusip>056752108</cusip>         <value>420346</value>         <shrsOrPrnAmt><sshPrnamt>3190</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>3190</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>05722G100</cusip>         <value>28040845</value>         <shrsOrPrnAmt><sshPrnamt>575551</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>575551</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>05722G100</cusip>         <value>1890580</value>         <shrsOrPrnAmt><sshPrnamt>38805</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>18691</Sole>             <Shared>0</Shared>             <None>20114</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>05722G100</cusip>         <value>3800</value>         <shrsOrPrnAmt><sshPrnamt>78</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>20</Sole>             <Shared>0</Shared>             <None>58</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>05722G100</cusip>         <value>2355856</value>         <shrsOrPrnAmt><sshPrnamt>48355</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>48355</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>05722G100</cusip>         <value>4272841</value>         <shrsOrPrnAmt><sshPrnamt>87702</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>87702</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>05722G100</cusip>         <value>27770</value>         <shrsOrPrnAmt><sshPrnamt>570</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>570</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>05722G100</cusip>         <value>12967023</value>         <shrsOrPrnAmt><sshPrnamt>266154</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>266154</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALCHEM CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>057665200</cusip>         <value>334334</value>         <shrsOrPrnAmt><sshPrnamt>2228</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2228</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALCHEM CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>057665200</cusip>         <value>158163</value>         <shrsOrPrnAmt><sshPrnamt>1054</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1020</Sole>             <Shared>0</Shared>             <None>34</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALCHEM CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>057665200</cusip>         <value>3588385</value>         <shrsOrPrnAmt><sshPrnamt>23913</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>23913</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>058498106</cusip>         <value>4112810</value>         <shrsOrPrnAmt><sshPrnamt>81571</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>81571</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>058498106</cusip>         <value>645174</value>         <shrsOrPrnAmt><sshPrnamt>12796</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6105</Sole>             <Shared>0</Shared>             <None>6691</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>058498106</cusip>         <value>1008</value>         <shrsOrPrnAmt><sshPrnamt>20</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>20</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>058498106</cusip>         <value>237629</value>         <shrsOrPrnAmt><sshPrnamt>4713</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4713</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>058498106</cusip>         <value>578065</value>         <shrsOrPrnAmt><sshPrnamt>11465</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11465</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>058498106</cusip>         <value>71143</value>         <shrsOrPrnAmt><sshPrnamt>1411</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1411</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>058498106</cusip>         <value>25008</value>         <shrsOrPrnAmt><sshPrnamt>496</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>496</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>058498106</cusip>         <value>2630311</value>         <shrsOrPrnAmt><sshPrnamt>52168</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>52168</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BALLARD PWR SYS INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>058586108</cusip>         <value>93312</value>         <shrsOrPrnAmt><sshPrnamt>34454</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>34454</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCFIRST CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>05945F103</cusip>         <value>156672</value>         <shrsOrPrnAmt><sshPrnamt>1239</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1239</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCFIRST CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>05945F103</cusip>         <value>49316</value>         <shrsOrPrnAmt><sshPrnamt>390</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>355</Sole>             <Shared>0</Shared>             <None>35</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCFIRST CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>05945F103</cusip>         <value>189296</value>         <shrsOrPrnAmt><sshPrnamt>1497</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1497</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>05946K101</cusip>         <value>282417</value>         <shrsOrPrnAmt><sshPrnamt>14671</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3408</Sole>             <Shared>0</Shared>             <None>11263</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>05946K101</cusip>         <value>747747</value>         <shrsOrPrnAmt><sshPrnamt>38844</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>38844</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>05946K101</cusip>         <value>1220469</value>         <shrsOrPrnAmt><sshPrnamt>63401</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>63401</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>05946K101</cusip>         <value>2061329</value>         <shrsOrPrnAmt><sshPrnamt>107082</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>107082</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>05946K101</cusip>         <value>212</value>         <shrsOrPrnAmt><sshPrnamt>11</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>05964H105</cusip>         <value>502002</value>         <shrsOrPrnAmt><sshPrnamt>47901</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3920</Sole>             <Shared>0</Shared>             <None>43981</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>05964H105</cusip>         <value>344614</value>         <shrsOrPrnAmt><sshPrnamt>32883</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>32883</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>05964H105</cusip>         <value>1795549</value>         <shrsOrPrnAmt><sshPrnamt>171331</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>171331</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>05964H105</cusip>         <value>241208</value>         <shrsOrPrnAmt><sshPrnamt>23016</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>23016</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANCORP INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>05969A105</cusip>         <value>204974</value>         <shrsOrPrnAmt><sshPrnamt>2737</sshPrnamt>             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      <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>290</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANDWIDTH INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>05988J103</cusip>         <value>2200</value>         <shrsOrPrnAmt><sshPrnamt>132</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>132</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANDWIDTH INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>05988J103</cusip>         <value>317</value>         <shrsOrPrnAmt><sshPrnamt>19</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>19</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANDWIDTH INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>05988J103</cusip>         <value>2446289</value>         <shrsOrPrnAmt><sshPrnamt>146748</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>146748</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>060505104</cusip>         <value>62102752</value>         <shrsOrPrnAmt><sshPrnamt>1203775</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>1</otherManager>         <votingAuthority><Sole>1203775</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>060505104</cusip>         <value>260588209</value>         <shrsOrPrnAmt><sshPrnamt>5051138</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5051138</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>060505104</cusip>         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     <cusip>060505104</cusip>         <value>11043201</value>         <shrsOrPrnAmt><sshPrnamt>214057</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>214057</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>060505104</cusip>         <value>518420378</value>         <shrsOrPrnAmt><sshPrnamt>10048854</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>10048854</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>060505104</cusip>         <value>8725159</value>         <shrsOrPrnAmt><sshPrnamt>169125</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>169125</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>060505104</cusip>         <value>10360894</value>         <shrsOrPrnAmt><sshPrnamt>200831</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>200831</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>060505104</cusip>         <value>571020</value>         <shrsOrPrnAmt><sshPrnamt>11068</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>10568</Sole>             <Shared>0</Shared>             <None>500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>060505104</cusip>         <value>15477000</value>         <shrsOrPrnAmt><sshPrnamt>300000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>300000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>060505104</cusip>         <value>193023675</value>         <shrsOrPrnAmt><sshPrnamt>3741494</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>3741494</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>7.25%CNV PFD L</titleOfClass>         <cusip>060505682</cusip>         <value>545280</value>         <shrsOrPrnAmt><sshPrnamt>426</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>426</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>         <titleOfClass>7.25%CNV PFD L</titleOfClass>         <cusip>060505682</cusip>         <value>6400</value>         <shrsOrPrnAmt><sshPrnamt>5</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK FIRST CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>06211J100</cusip>         <value>12578634</value>         <shrsOrPrnAmt><sshPrnamt>103690</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>103690</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>063671101</cusip>         <value>25144</value>         <shrsOrPrnAmt><sshPrnamt>193</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>193</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>063671101</cusip>         <value>4494637</value>         <shrsOrPrnAmt><sshPrnamt>34500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>34500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>063671101</cusip>         <value>19541900</value>         <shrsOrPrnAmt><sshPrnamt>150000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>150000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>063671101</cusip>         <value>1489190192</value>         <shrsOrPrnAmt><sshPrnamt>11430748</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11430748</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>063671101</cusip>         <value>247002314</value>         <shrsOrPrnAmt><sshPrnamt>1895944</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1895944</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>063671101</cusip>         <value>1659961</value>         <shrsOrPrnAmt><sshPrnamt>12742</sshPrnamt>             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     <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>458535</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064058100</cusip>         <value>4691927</value>         <shrsOrPrnAmt><sshPrnamt>43061</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>30958</Sole>             <Shared>0</Shared>             <None>12103</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064058100</cusip>         <value>89020</value>         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    <value>23693897</value>         <shrsOrPrnAmt><sshPrnamt>217455</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>217455</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064058100</cusip>         <value>71587</value>         <shrsOrPrnAmt><sshPrnamt>657</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>657</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064058100</cusip>         <value>23317</value>         <shrsOrPrnAmt><sshPrnamt>214</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>214</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064058100</cusip>         <value>30073</value>         <shrsOrPrnAmt><sshPrnamt>276</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>276</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064058100</cusip>         <value>17763858</value>         <shrsOrPrnAmt><sshPrnamt>163031</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>163031</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064149107</cusip>         <value>1578729228</value>         <shrsOrPrnAmt><sshPrnamt>24420550</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>24420550</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NOVA SCOTIA 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<infoTable><nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064149107</cusip>         <value>25038004</value>         <shrsOrPrnAmt><sshPrnamt>387300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>387300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064149107</cusip>         <value>148689</value>         <shrsOrPrnAmt><sshPrnamt>2300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064149107</cusip>         <value>504840377</value>         <shrsOrPrnAmt><sshPrnamt>7809116</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7809116</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064149107</cusip>         <value>171308563</value>         <shrsOrPrnAmt><sshPrnamt>2649884</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2649884</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064149107</cusip>         <value>6608791</value>         <shrsOrPrnAmt><sshPrnamt>102228</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>102228</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>064149107</cusip>         <value>38788542</value>         <shrsOrPrnAmt><sshPrnamt>600000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         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<shrsOrPrnAmt><sshPrnamt>33001</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>33001</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANKUNITED INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>06652K103</cusip>         <value>170079</value>         <shrsOrPrnAmt><sshPrnamt>4457</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4457</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BANKUNITED INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>06652K103</cusip>         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<titleOfClass>COM</titleOfClass>         <cusip>086516101</cusip>         <value>62003</value>         <shrsOrPrnAmt><sshPrnamt>820</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>820</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BEST BUY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>086516101</cusip>         <value>8984034</value>         <shrsOrPrnAmt><sshPrnamt>118805</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>118805</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BETA BIONICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08659B102</cusip>         <value>153496</value>         <shrsOrPrnAmt><sshPrnamt>7725</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>7725</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BETA BIONICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08659B102</cusip>         <value>49675</value>         <shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BEYOND MEAT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08862E109</cusip>         <value>1068</value>         <shrsOrPrnAmt><sshPrnamt>565</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>565</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BEYOND MEAT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08862E109</cusip>         <value>3258</value>         <shrsOrPrnAmt><sshPrnamt>1724</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1724</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BEYOND MEAT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08862E109</cusip>         <value>77050</value>         <shrsOrPrnAmt><sshPrnamt>40767</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>40767</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BEYOND MEAT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08862E109</cusip>         <value>2</value>         <shrsOrPrnAmt><sshPrnamt>1</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BGC GROUP INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>088929104</cusip>         <value>204809</value>         <shrsOrPrnAmt><sshPrnamt>21650</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>21650</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BGC GROUP INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>088929104</cusip>         <value>5440</value>         <shrsOrPrnAmt><sshPrnamt>575</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>64</Sole>             <Shared>0</Shared>             <None>511</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BGC GROUP INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>088929104</cusip>         <value>46638</value>         <shrsOrPrnAmt><sshPrnamt>4930</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4930</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BHP GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>088606108</cusip>         <value>699774</value>         <shrsOrPrnAmt><sshPrnamt>12552</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>12552</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BHP GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>088606108</cusip>         <value>1106805</value>         <shrsOrPrnAmt><sshPrnamt>19853</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>15929</Sole>             <Shared>0</Shared>             <None>3924</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BHP GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>088606108</cusip>         <value>27875</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             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  <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BHP GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>088606108</cusip>         <value>1590492</value>         <shrsOrPrnAmt><sshPrnamt>28529</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>28529</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BHP GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>088606108</cusip>         <value>379379</value>         <shrsOrPrnAmt><sshPrnamt>6805</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6805</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BHP GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>088606108</cusip>         <value>570979</value>         <shrsOrPrnAmt><sshPrnamt>10242</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>10242</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BHP GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>088606108</cusip>         <value>239725</value>         <shrsOrPrnAmt><sshPrnamt>4300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>4300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BIGBEAR AI HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08975B109</cusip>         <value>181621</value>         <shrsOrPrnAmt><sshPrnamt>27856</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>27856</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BIGBEAR AI HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08975B109</cusip>         <value>11782</value>         <shrsOrPrnAmt><sshPrnamt>1807</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1807</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BIGBEAR AI HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08975B109</cusip>         <value>65500</value>         <shrsOrPrnAmt><sshPrnamt>10046</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>10046</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BIGBEAR AI HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>08975B109</cusip>         <value>69966</value>         <shrsOrPrnAmt><sshPrnamt>10731</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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        <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>9</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BILL HOLDINGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>090043100</cusip>         <value>76859</value>         <shrsOrPrnAmt><sshPrnamt>1451</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1451</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BILL HOLDINGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>090043100</cusip>         <value>15543358</value>         <shrsOrPrnAmt><sshPrnamt>293437</sshPrnamt>             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INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>09058V103</cusip>         <value>8827</value>         <shrsOrPrnAmt><sshPrnamt>1163</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1163</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BIOCRYST PHARMACEUTICALS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>09058V103</cusip>         <value>6072</value>         <shrsOrPrnAmt><sshPrnamt>800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>800</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BIOGEN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>09062X103</cusip>         <value>11702423</value>         <shrsOrPrnAmt><sshPrnamt>83541</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>83541</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BIOGEN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>09062X103</cusip>         <value>853788</value>         <shrsOrPrnAmt><sshPrnamt>6095</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2426</Sole>             <Shared>0</Shared>             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<infoTable><nameOfIssuer>BJS WHSL CLUB HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>05550J101</cusip>         <value>68352</value>         <shrsOrPrnAmt><sshPrnamt>733</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>733</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BJS WHSL CLUB HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>05550J101</cusip>         <value>13988</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<titleOfClass>COM CL A</titleOfClass>         <cusip>093712107</cusip>         <value>6818203</value>         <shrsOrPrnAmt><sshPrnamt>80622</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>80622</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>093712107</cusip>         <value>103006</value>         <shrsOrPrnAmt><sshPrnamt>1218</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1218</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>093712107</cusip>         <value>221151</value>         <shrsOrPrnAmt><sshPrnamt>2615</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2615</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>093712107</cusip>         <value>14228903</value>         <shrsOrPrnAmt><sshPrnamt>168250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>168250</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>093712107</cusip>         <value>26216700</value>         <shrsOrPrnAmt><sshPrnamt>310000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>310000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>         <titleOfClass>NOTE  3.000% 6/0</titleOfClass>         <cusip>093712AK3</cusip>         <value>16833825</value>         <shrsOrPrnAmt><sshPrnamt>4250000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>4250000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>         <titleOfClass>NOTE  3.000% 6/0</titleOfClass>         <cusip>093712AM9</cusip>         <value>2069100</value>         <shrsOrPrnAmt><sshPrnamt>500000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>500000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>         <titleOfClass>NOTE  3.000% 6/0</titleOfClass>         <cusip>093712AM9</cusip>         <value>62073000</value>         <shrsOrPrnAmt><sshPrnamt>15000000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>15000000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BLUE OWL CAPITAL CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>69121K104</cusip>         <value>129794</value>         <shrsOrPrnAmt><sshPrnamt>10164</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10164</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BLUE OWL CAPITAL CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>69121K104</cusip>         <value>8428</value>         <shrsOrPrnAmt><sshPrnamt>660</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>660</Sole>         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<investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>199</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>101137107</cusip>         <value>41437003</value>         <shrsOrPrnAmt><sshPrnamt>424429</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>424429</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOX INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>10316T104</cusip>         <value>277199</value>         <shrsOrPrnAmt><sshPrnamt>8590</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1799</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOX INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>10316T104</cusip>         <value>2001</value>         <shrsOrPrnAmt><sshPrnamt>62</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>62</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOX INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>10316T104</cusip>         <value>20532497</value>         <shrsOrPrnAmt><sshPrnamt>636272</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>636272</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOX INC</nameOfIssuer>         <titleOfClass>NOTE  1.500% 9/1</titleOfClass>         <cusip>10316TAD6</cusip>         <value>9574100</value>         <shrsOrPrnAmt><sshPrnamt>9500000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>9500000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>103304101</cusip>         <value>365770</value>         <shrsOrPrnAmt><sshPrnamt>4231</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4231</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>103304101</cusip>         <value>44695</value>         <shrsOrPrnAmt><sshPrnamt>517</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>368</Sole>             <Shared>0</Shared>             <None>149</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>103304101</cusip>         <value>432</value>         <shrsOrPrnAmt><sshPrnamt>5</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>103304101</cusip>         <value>32678</value>         <shrsOrPrnAmt><sshPrnamt>378</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>378</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>103304101</cusip>         <value>271626</value>         <shrsOrPrnAmt><sshPrnamt>3142</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3142</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>103304101</cusip>         <value>95095</value>         <shrsOrPrnAmt><sshPrnamt>1100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>103304101</cusip>         <value>865</value>         <shrsOrPrnAmt><sshPrnamt>10</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BP PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>055622104</cusip>         <value>3970550</value>         <shrsOrPrnAmt><sshPrnamt>115222</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>115222</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BP PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>055622104</cusip>         <value>3728882</value>         <shrsOrPrnAmt><sshPrnamt>108209</sshPrnamt>             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<shrsOrPrnAmt><sshPrnamt>1860</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>1860</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BP PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>055622104</cusip>         <value>13818</value>         <shrsOrPrnAmt><sshPrnamt>401</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>401</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BP PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>055622104</cusip>         <value>4584455</value>         <shrsOrPrnAmt><sshPrnamt>133037</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>133037</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BP PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>055622104</cusip>         <value>27637</value>         <shrsOrPrnAmt><sshPrnamt>802</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>802</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BP PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>055622104</cusip>         <value>8649</value>         <shrsOrPrnAmt><sshPrnamt>251</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>251</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BP PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>055622104</cusip>         <value>79439</value>         <shrsOrPrnAmt><sshPrnamt>2305</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2305</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BP PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>055622104</cusip>         <value>454114</value>         <shrsOrPrnAmt><sshPrnamt>13178</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>13178</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BRADY CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>104674106</cusip>         <value>202566</value>         <shrsOrPrnAmt><sshPrnamt>2596</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2596</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BRADY CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>       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<infoTable><nameOfIssuer>BRC INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>05601U105</cusip>         <value>46800</value>         <shrsOrPrnAmt><sshPrnamt>30000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>30000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BREAD FINANCIAL HOLDINGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>018581108</cusip>         <value>154148</value>         <shrsOrPrnAmt><sshPrnamt>2764</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2764</Sole>             <Shared>0</Shared>             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<cusip>115236101</cusip>         <value>28512</value>         <shrsOrPrnAmt><sshPrnamt>304</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             <None>300</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BROWN &amp; BROWN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>115236101</cusip>         <value>498494</value>         <shrsOrPrnAmt><sshPrnamt>5315</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5315</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BROWN &amp; BROWN INC</nameOfIssuer>         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BROWN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>115236101</cusip>         <value>625590</value>         <shrsOrPrnAmt><sshPrnamt>6670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6670</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BROWN &amp; BROWN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>115236101</cusip>         <value>10492850</value>         <shrsOrPrnAmt><sshPrnamt>111876</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>111876</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>115637100</cusip>         <value>5651</value>         <shrsOrPrnAmt><sshPrnamt>210</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>210</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>115637100</cusip>         <value>5813</value>         <shrsOrPrnAmt><sshPrnamt>216</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>216</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>115637100</cusip>         <value>26991</value>         <shrsOrPrnAmt><sshPrnamt>1003</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1003</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>BROWN FORMAN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>115637100</cusip>         <value>26910</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             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<infoTable><nameOfIssuer>CAL MAINE FOODS INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>128030202</cusip>         <value>435401</value>         <shrsOrPrnAmt><sshPrnamt>4627</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4627</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAL MAINE FOODS INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>128030202</cusip>         <value>95041</value>         <shrsOrPrnAmt><sshPrnamt>1010</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1010</Sole>             <Shared>0</Shared>             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<Shared>0</Shared>             <None>70</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CALIFORNIA RES CORP</nameOfIssuer>         <titleOfClass>COM STOCK</titleOfClass>         <cusip>13057Q305</cusip>         <value>5318</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>100</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CALIFORNIA WTR SVC GROUP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>130788102</cusip>         <value>1074285</value>         <shrsOrPrnAmt><sshPrnamt>23410</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>23410</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CALIFORNIA WTR SVC GROUP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>130788102</cusip>         <value>57638</value>         <shrsOrPrnAmt><sshPrnamt>1256</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1049</Sole>             <Shared>0</Shared>             <None>207</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CALIFORNIA WTR SVC GROUP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>130788102</cusip>         <value>21706</value>         <shrsOrPrnAmt><sshPrnamt>473</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>473</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CALIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13100M509</cusip>         <value>218477</value>         <shrsOrPrnAmt><sshPrnamt>3560</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3560</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CALIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13100M509</cusip>         <value>15281</value>         <shrsOrPrnAmt><sshPrnamt>249</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>234</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CALIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13100M509</cusip>         <value>269353</value>         <shrsOrPrnAmt><sshPrnamt>4389</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4389</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CALIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13100M509</cusip>         <value>153425</value>         <shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>         <titleOfClass>SH BEN INT</titleOfClass>         <cusip>133131102</cusip>         <value>4981821</value>         <shrsOrPrnAmt><sshPrnamt>46655</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>46655</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>         <titleOfClass>SH BEN INT</titleOfClass>         <cusip>133131102</cusip>         <value>414734</value>         <shrsOrPrnAmt><sshPrnamt>3884</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2193</Sole>             <Shared>0</Shared>             <None>1691</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>         <titleOfClass>SH BEN INT</titleOfClass>         <cusip>133131102</cusip>         <value>2883</value>         <shrsOrPrnAmt><sshPrnamt>27</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>27</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>         <titleOfClass>SH BEN INT</titleOfClass>         <cusip>133131102</cusip>         <value>249438</value>         <shrsOrPrnAmt><sshPrnamt>2336</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2336</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>         <titleOfClass>SH BEN INT</titleOfClass>         <cusip>133131102</cusip>         <value>5339</value>         <shrsOrPrnAmt><sshPrnamt>50</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>50</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>         <titleOfClass>SH BEN INT</titleOfClass>         <cusip>133131102</cusip>         <value>2751614</value>         <shrsOrPrnAmt><sshPrnamt>25769</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>25769</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>198461063</value>         <shrsOrPrnAmt><sshPrnamt>2366576</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2366576</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>1296224</value>         <shrsOrPrnAmt><sshPrnamt>15457</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>13055</Sole>             <Shared>0</Shared>             <None>2402</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>24571</value>         <shrsOrPrnAmt><sshPrnamt>293</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>293</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>79667000</value>         <shrsOrPrnAmt><sshPrnamt>950000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>950000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>160277090</value>         <shrsOrPrnAmt><sshPrnamt>1911246</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1911246</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>21989014</value>         <shrsOrPrnAmt><sshPrnamt>262211</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>262211</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>2315732</value>         <shrsOrPrnAmt><sshPrnamt>27614</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>27614</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>35389</value>         <shrsOrPrnAmt><sshPrnamt>422</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>422</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>48179163</value>         <shrsOrPrnAmt><sshPrnamt>574519</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>574519</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>16352700</value>         <shrsOrPrnAmt><sshPrnamt>195000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>195000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMECO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>13321L108</cusip>         <value>18449200</value>         <shrsOrPrnAmt><sshPrnamt>220000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>220000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMPING WORLD HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>13462K109</cusip>         <value>4532</value>         <shrsOrPrnAmt><sshPrnamt>287</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>287</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMPING WORLD HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>13462K109</cusip>         <value>3821</value>         <shrsOrPrnAmt><sshPrnamt>242</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>242</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMPING WORLD HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>13462K109</cusip>         <value>1047382</value>         <shrsOrPrnAmt><sshPrnamt>66332</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>66332</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAMPING WORLD HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>13462K109</cusip>         <value>3948</value>         <shrsOrPrnAmt><sshPrnamt>250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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     <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CANADA GOOSE HLDGS INC</nameOfIssuer>         <titleOfClass>SHS SUB VTG</titleOfClass>         <cusip>135086106</cusip>         <value>246381</value>         <shrsOrPrnAmt><sshPrnamt>17900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>17900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CANADIAN IMPERIAL BANK OF CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>136069101</cusip>         <value>1366161118</value>         <shrsOrPrnAmt><sshPrnamt>17100158</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>17100158</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CANADIAN IMPERIAL BANK OF CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>136069101</cusip>         <value>1329638</value>         <shrsOrPrnAmt><sshPrnamt>16643</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>16551</Sole>             <Shared>0</Shared>             <None>92</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CANADIAN IMPERIAL BANK OF CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>136069101</cusip>         <value>347769</value>         <shrsOrPrnAmt><sshPrnamt>4353</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4353</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CANADIAN IMPERIAL BANK OF CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>136069101</cusip>         <value>359513</value>         <shrsOrPrnAmt><sshPrnamt>4500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CANADIAN IMPERIAL BANK OF CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>136069101</cusip>         <value>15978345</value>         <shrsOrPrnAmt><sshPrnamt>200000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>200000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CANADIAN IMPERIAL BANK OF CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>136069101</cusip>         <value>492280265</value>         <shrsOrPrnAmt><sshPrnamt>6161843</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>6161843</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CANADIAN IMPERIAL BANK OF CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>136069101</cusip>         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  <titleOfClass>SHS</titleOfClass>         <cusip>14021M107</cusip>         <value>653614</value>         <shrsOrPrnAmt><sshPrnamt>19384</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>19384</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>         <titleOfClass>US MULTI-SECTOR</titleOfClass>         <cusip>14020Y300</cusip>         <value>313575</value>         <shrsOrPrnAmt><sshPrnamt>11300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11300</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>         <titleOfClass>CORE BOND ETF</titleOfClass>         <cusip>14020Y508</cusip>         <value>140874</value>         <shrsOrPrnAmt><sshPrnamt>5300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5300</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>14040H105</cusip>         <value>41085124</value>         <shrsOrPrnAmt><sshPrnamt>193269</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>193269</Sole>             <Shared>0</Shared>             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<otherManager>11</otherManager>         <votingAuthority><Sole>8216</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>14040H105</cusip>         <value>26223869</value>         <shrsOrPrnAmt><sshPrnamt>123360</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>123360</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAPRI HOLDINGS LIMITED</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G1890L107</cusip>         <value>169957</value>         <shrsOrPrnAmt><sshPrnamt>8532</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8532</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAPRI HOLDINGS LIMITED</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G1890L107</cusip>         <value>132129</value>         <shrsOrPrnAmt><sshPrnamt>6633</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5874</Sole>             <Shared>0</Shared>             <None>759</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAPRI HOLDINGS LIMITED</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G1890L107</cusip>         <value>69262</value>         <shrsOrPrnAmt><sshPrnamt>3477</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3477</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAPRI HOLDINGS LIMITED</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G1890L107</cusip>         <value>1666348</value>         <shrsOrPrnAmt><sshPrnamt>83652</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>83652</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAPRI HOLDINGS LIMITED</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G1890L107</cusip>         <value>837</value>         <shrsOrPrnAmt><sshPrnamt>42</sshPrnamt>             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<infoTable><nameOfIssuer>CARETRUST REIT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>14174T107</cusip>         <value>52193</value>         <shrsOrPrnAmt><sshPrnamt>1505</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1505</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARETRUST REIT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>14174T107</cusip>         <value>73626</value>         <shrsOrPrnAmt><sshPrnamt>2123</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2123</Sole>             <Shared>0</Shared>             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<value>63000</value>         <shrsOrPrnAmt><sshPrnamt>1005</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1005</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARLYLE GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>14316J108</cusip>         <value>15675</value>         <shrsOrPrnAmt><sshPrnamt>250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>250</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARLYLE GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>14316J108</cusip>         <value>337702</value>         <shrsOrPrnAmt><sshPrnamt>5386</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>5386</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARMAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>143130102</cusip>         <value>1991779</value>         <shrsOrPrnAmt><sshPrnamt>44390</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>44390</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARMAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>143130102</cusip>         <value>119399</value>         <shrsOrPrnAmt><sshPrnamt>2661</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>411</Sole>             <Shared>0</Shared>             <None>2250</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARMAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>143130102</cusip>         <value>137706</value>         <shrsOrPrnAmt><sshPrnamt>3069</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3069</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARMAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>143130102</cusip>         <value>23063</value>         <shrsOrPrnAmt><sshPrnamt>514</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>514</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARMAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>143130102</cusip>         <value>3950175</value>         <shrsOrPrnAmt><sshPrnamt>88036</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>88036</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARMAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>143130102</cusip>         <value>1321601</value>         <shrsOrPrnAmt><sshPrnamt>29454</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>29454</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARMAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>143130102</cusip>         <value>11509155</value>         <shrsOrPrnAmt><sshPrnamt>256500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>256500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARNIVAL CORP</nameOfIssuer>         <titleOfClass>UNIT 99/99/9999</titleOfClass>         <cusip>143658300</cusip>         <value>9400636</value>         <shrsOrPrnAmt><sshPrnamt>325169</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>325169</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARNIVAL CORP</nameOfIssuer>         <titleOfClass>UNIT 99/99/9999</titleOfClass>         <cusip>143658300</cusip>         <value>1736537</value>         <shrsOrPrnAmt><sshPrnamt>60067</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>18020</Sole>             <Shared>0</Shared>             <None>42047</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARNIVAL CORP</nameOfIssuer>         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<infoTable><nameOfIssuer>CARNIVAL CORP</nameOfIssuer>         <titleOfClass>UNIT 99/99/9999</titleOfClass>         <cusip>143658300</cusip>         <value>4474661</value>         <shrsOrPrnAmt><sshPrnamt>154779</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>154779</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARNIVAL CORP</nameOfIssuer>         <titleOfClass>UNIT 99/99/9999</titleOfClass>         <cusip>143658300</cusip>         <value>179242</value>         <shrsOrPrnAmt><sshPrnamt>6200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>6200</Sole>             <Shared>0</Shared>             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CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>14448C104</cusip>         <value>8921687</value>         <shrsOrPrnAmt><sshPrnamt>149442</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>149442</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARTERS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>146229109</cusip>         <value>58415</value>         <shrsOrPrnAmt><sshPrnamt>2070</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2070</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARTERS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>146229109</cusip>         <value>15690</value>         <shrsOrPrnAmt><sshPrnamt>556</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>309</Sole>             <Shared>0</Shared>             <None>247</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARTERS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>146229109</cusip>         <value>165059</value>         <shrsOrPrnAmt><sshPrnamt>5849</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5849</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARTERS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>146229109</cusip>         <value>113</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARVANA CO</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>146869102</cusip>         <value>98082</value>         <shrsOrPrnAmt><sshPrnamt>260</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>260</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARVANA 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CO</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>146869102</cusip>         <value>11666901</value>         <shrsOrPrnAmt><sshPrnamt>30927</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>30927</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARVANA CO</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>146869102</cusip>         <value>210500</value>         <shrsOrPrnAmt><sshPrnamt>558</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>558</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARVANA CO</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>146869102</cusip>         <value>37724</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARVANA CO</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>146869102</cusip>         <value>656775</value>         <shrsOrPrnAmt><sshPrnamt>1741</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1741</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CARVANA CO</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>146869102</cusip>         <value>3772400</value>         <shrsOrPrnAmt><sshPrnamt>10000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>147448104</cusip>         <value>695850</value>         <shrsOrPrnAmt><sshPrnamt>7334</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6123</Sole>             <Shared>0</Shared>             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<infoTable><nameOfIssuer>CAVA GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>148929102</cusip>         <value>5014</value>         <shrsOrPrnAmt><sshPrnamt>83</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>83</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAVA GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>148929102</cusip>         <value>842840</value>         <shrsOrPrnAmt><sshPrnamt>13952</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>13952</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>   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<infoTable><nameOfIssuer>CAVA GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>148929102</cusip>         <value>12988150</value>         <shrsOrPrnAmt><sshPrnamt>215000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>215000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CAVCO INDS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>149568107</cusip>         <value>271782</value>         <shrsOrPrnAmt><sshPrnamt>468</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>468</Sole>             <Shared>0</Shared>             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N</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>16119P108</cusip>         <value>1174995</value>         <shrsOrPrnAmt><sshPrnamt>4271</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4271</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHARTER COMMUNICATIONS INC N</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>16119P108</cusip>         <value>40716</value>         <shrsOrPrnAmt><sshPrnamt>148</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>148</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHARTER COMMUNICATIONS INC N</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>16119P108</cusip>         <value>4976465</value>         <shrsOrPrnAmt><sshPrnamt>18089</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>18089</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>M22465104</cusip>         <value>10852223</value>         <shrsOrPrnAmt><sshPrnamt>52449</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>52449</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>M22465104</cusip>         <value>2243939</value>         <shrsOrPrnAmt><sshPrnamt>10845</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10306</Sole>             <Shared>0</Shared>             <None>539</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>M22465104</cusip>         <value>206910</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1000</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>M22465104</cusip>         <value>1476096</value>         <shrsOrPrnAmt><sshPrnamt>7134</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7134</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>M22465104</cusip>         <value>159735</value>         <shrsOrPrnAmt><sshPrnamt>772</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>772</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEESECAKE FACTORY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163072101</cusip>         <value>154522</value>         <shrsOrPrnAmt><sshPrnamt>2828</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2828</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEESECAKE FACTORY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163072101</cusip>         <value>25080</value>         <shrsOrPrnAmt><sshPrnamt>459</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>386</Sole>             <Shared>0</Shared>             <None>73</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEESECAKE FACTORY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163072101</cusip>         <value>107040</value>         <shrsOrPrnAmt><sshPrnamt>1959</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1959</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEESECAKE FACTORY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163072101</cusip>         <value>465533</value>         <shrsOrPrnAmt><sshPrnamt>8520</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>8520</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEESECAKE FACTORY INC</nameOfIssuer>         <titleOfClass>NOTE  0.375% 6/1</titleOfClass>         <cusip>163072AA9</cusip>         <value>166891</value>         <shrsOrPrnAmt><sshPrnamt>168000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>168000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEFS WHSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163086101</cusip>         <value>144717</value>         <shrsOrPrnAmt><sshPrnamt>2481</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2481</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEFS WHSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163086101</cusip>         <value>19774</value>         <shrsOrPrnAmt><sshPrnamt>339</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>284</Sole>             <Shared>0</Shared>             <None>55</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEFS WHSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163086101</cusip>         <value>1105528</value>         <shrsOrPrnAmt><sshPrnamt>18953</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>18953</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEFS WHSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163086101</cusip>         <value>14874</value>         <shrsOrPrnAmt><sshPrnamt>255</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>255</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEFS WHSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163086101</cusip>         <value>747091</value>         <shrsOrPrnAmt><sshPrnamt>12808</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>12808</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEFS WHSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163086101</cusip>         <value>9624450</value>         <shrsOrPrnAmt><sshPrnamt>165000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>165000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEFS WHSE INC</nameOfIssuer>         <titleOfClass>NOTE  2.375%12/1</titleOfClass>         <cusip>163086AE1</cusip>         <value>18861700</value>         <shrsOrPrnAmt><sshPrnamt>13000000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>13000000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEGG INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163092109</cusip>         <value>268550</value>         <shrsOrPrnAmt><sshPrnamt>177848</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>177848</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMED CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>16359R103</cusip>         <value>465650</value>         <shrsOrPrnAmt><sshPrnamt>1040</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1040</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMED CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>16359R103</cusip>         <value>348789</value>         <shrsOrPrnAmt><sshPrnamt>779</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>517</Sole>             <Shared>0</Shared>             <None>262</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMED CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>16359R103</cusip>         <value>895</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMED CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>16359R103</cusip>         <value>210443</value>         <shrsOrPrnAmt><sshPrnamt>470</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>470</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMED CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>16359R103</cusip>         <value>11194</value>         <shrsOrPrnAmt><sshPrnamt>25</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>25</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMED CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>16359R103</cusip>         <value>4800221</value>         <shrsOrPrnAmt><sshPrnamt>10721</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10721</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMOURS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163851108</cusip>         <value>144936</value>         <shrsOrPrnAmt><sshPrnamt>9150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>9150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMOURS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163851108</cusip>         <value>28702</value>         <shrsOrPrnAmt><sshPrnamt>1812</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1084</Sole>             <Shared>0</Shared>             <None>728</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMOURS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163851108</cusip>         <value>55994</value>         <shrsOrPrnAmt><sshPrnamt>3535</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3535</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMOURS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163851108</cusip>         <value>20868503</value>         <shrsOrPrnAmt><sshPrnamt>1317456</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1317456</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMOURS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163851108</cusip>         <value>374322</value>         <shrsOrPrnAmt><sshPrnamt>23631</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>23631</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEMOURS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>163851108</cusip>         <value>143</value>         <shrsOrPrnAmt><sshPrnamt>9</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>9</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>16411R208</cusip>         <value>27327234</value>         <shrsOrPrnAmt><sshPrnamt>116296</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>116296</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>16411R208</cusip>         <value>824075</value>         <shrsOrPrnAmt><sshPrnamt>3507</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2709</Sole>             <Shared>0</Shared>             <None>798</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>16411R208</cusip>         <value>1410</value>         <shrsOrPrnAmt><sshPrnamt>6</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>6</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>16411R208</cusip>         <value>878590</value>         <shrsOrPrnAmt><sshPrnamt>3739</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3739</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>16411R208</cusip>         <value>9298864</value>         <shrsOrPrnAmt><sshPrnamt>39573</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>39573</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>16411R208</cusip>         <value>20678</value>         <shrsOrPrnAmt><sshPrnamt>88</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>88</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>16411R208</cusip>         <value>330196</value>         <shrsOrPrnAmt><sshPrnamt>1405</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1405</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>16411R208</cusip>         <value>23498</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>16411R208</cusip>         <value>869426</value>         <shrsOrPrnAmt><sshPrnamt>3700</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>3700</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHESAPEAKE UTILS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>165303108</cusip>         <value>1242381</value>         <shrsOrPrnAmt><sshPrnamt>9224</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>9224</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHESAPEAKE 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<infoTable><nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>166764100</cusip>         <value>151882316</value>         <shrsOrPrnAmt><sshPrnamt>978056</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>978056</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>166764100</cusip>         <value>105639284</value>         <shrsOrPrnAmt><sshPrnamt>680271</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>636102</Sole>             <Shared>0</Shared>             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INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>205887102</cusip>         <value>13179062</value>         <shrsOrPrnAmt><sshPrnamt>719774</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>719774</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>205887102</cusip>         <value>543734</value>         <shrsOrPrnAmt><sshPrnamt>29696</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8281</Sole>             <Shared>0</Shared>             <None>21415</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>205887102</cusip>         <value>37554</value>         <shrsOrPrnAmt><sshPrnamt>2051</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>643</Sole>             <Shared>0</Shared>             <None>1408</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>205887102</cusip>         <value>601172</value>         <shrsOrPrnAmt><sshPrnamt>32833</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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       <value>78697</value>         <shrsOrPrnAmt><sshPrnamt>2444</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2444</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>COUPANG INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>22266T109</cusip>         <value>48944</value>         <shrsOrPrnAmt><sshPrnamt>1520</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>1505</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>COUPANG INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>22266T109</cusip>         <value>159583</value>         <shrsOrPrnAmt><sshPrnamt>4956</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4956</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>COUPANG INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>22266T109</cusip>         <value>46529</value>         <shrsOrPrnAmt><sshPrnamt>1445</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1445</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>COUPANG INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>22266T109</cusip>         <value>36474969</value>         <shrsOrPrnAmt><sshPrnamt>1132763</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1132763</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>COUSINS PPTYS INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>222795502</cusip>         <value>340016</value>         <shrsOrPrnAmt><sshPrnamt>11749</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11749</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>COUSINS PPTYS INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>222795502</cusip>         <value>82045</value>         <shrsOrPrnAmt><sshPrnamt>2835</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2046</Sole>             <Shared>0</Shared>             <None>789</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>COUSINS PPTYS INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>222795502</cusip>         <value>3074209</value>         <shrsOrPrnAmt><sshPrnamt>106227</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>106227</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>COUSINS PPTYS INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>222795502</cusip>         <value>226311</value>         <shrsOrPrnAmt><sshPrnamt>7820</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>7820</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRACKER BARREL OLD CTRY STOR</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>22410J106</cusip>         <value>55560</value>         <shrsOrPrnAmt><sshPrnamt>1261</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1261</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRACKER BARREL OLD CTRY STOR</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>22410J106</cusip>         <value>8151</value>         <shrsOrPrnAmt><sshPrnamt>185</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>80</Sole>             <Shared>0</Shared>             <None>105</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRACKER BARREL OLD CTRY STOR</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>22410J106</cusip>         <value>5111</value>         <shrsOrPrnAmt><sshPrnamt>116</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>116</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRACKER BARREL OLD CTRY STOR</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>22410J106</cusip>         <value>8867868</value>         <shrsOrPrnAmt><sshPrnamt>201268</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>201268</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRANE COMPANY</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>224408104</cusip>         <value>638045</value>         <shrsOrPrnAmt><sshPrnamt>3465</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3465</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRANE COMPANY</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>224408104</cusip>         <value>506385</value>         <shrsOrPrnAmt><sshPrnamt>2750</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2595</Sole>             <Shared>0</Shared>             <None>155</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRANE COMPANY</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>224408104</cusip>         <value>552</value>         <shrsOrPrnAmt><sshPrnamt>3</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRANE COMPANY</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>224408104</cusip>         <value>253929</value>         <shrsOrPrnAmt><sshPrnamt>1379</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1379</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRANE NXT CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>224441105</cusip>         <value>235080</value>         <shrsOrPrnAmt><sshPrnamt>3505</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3505</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRANE NXT CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>224441105</cusip>         <value>95642</value>         <shrsOrPrnAmt><sshPrnamt>1426</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1212</Sole>             <Shared>0</Shared>             <None>214</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRANE NXT CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>224441105</cusip>         <value>537</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRANE NXT CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>224441105</cusip>         <value>114153</value>         <shrsOrPrnAmt><sshPrnamt>1702</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1702</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDICORP LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G2519Y108</cusip>         <value>3232107</value>         <shrsOrPrnAmt><sshPrnamt>12138</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>12138</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDICORP LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G2519Y108</cusip>         <value>38877</value>         <shrsOrPrnAmt><sshPrnamt>146</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>113</Sole>             <Shared>0</Shared>             <None>33</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDICORP LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G2519Y108</cusip>         <value>154442</value>         <shrsOrPrnAmt><sshPrnamt>580</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>580</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDICORP LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G2519Y108</cusip>         <value>6513209</value>         <shrsOrPrnAmt><sshPrnamt>24460</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>24460</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDIT ACCEP CORP MICH</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>225310101</cusip>         <value>1868</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDIT ACCEP CORP MICH</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>225310101</cusip>         <value>15409</value>         <shrsOrPrnAmt><sshPrnamt>33</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>33</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDIT ACCEP CORP MICH</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>225310101</cusip>         <value>1450285</value>         <shrsOrPrnAmt><sshPrnamt>3106</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3106</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDO TECHNOLOGY GROUP HOLDI</nameOfIssuer>         <titleOfClass>ORDINARY SHARES</titleOfClass>         <cusip>G25457105</cusip>         <value>96394</value>         <shrsOrPrnAmt><sshPrnamt>662</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>548</Sole>             <Shared>0</Shared>             <None>114</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDO TECHNOLOGY GROUP HOLDI</nameOfIssuer>         <titleOfClass>ORDINARY SHARES</titleOfClass>         <cusip>G25457105</cusip>         <value>36111</value>         <shrsOrPrnAmt><sshPrnamt>248</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>248</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDO TECHNOLOGY GROUP HOLDI</nameOfIssuer>         <titleOfClass>ORDINARY SHARES</titleOfClass>         <cusip>G25457105</cusip>         <value>851819</value>         <shrsOrPrnAmt><sshPrnamt>5850</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5850</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CREDO TECHNOLOGY GROUP HOLDI</nameOfIssuer>         <titleOfClass>ORDINARY SHARES</titleOfClass>         <cusip>G25457105</cusip>         <value>134689</value>         <shrsOrPrnAmt><sshPrnamt>925</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>925</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRESCENT ENERGY COMPANY</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>44952J104</cusip>         <value>101510</value>         <shrsOrPrnAmt><sshPrnamt>11380</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11380</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRESCENT ENERGY COMPANY</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>44952J104</cusip>         <value>80307</value>         <shrsOrPrnAmt><sshPrnamt>9003</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8713</Sole>             <Shared>0</Shared>             <None>290</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRESCENT ENERGY COMPANY</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>44952J104</cusip>         <value>27813</value>         <shrsOrPrnAmt><sshPrnamt>3118</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3118</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRH PLC</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G25508105</cusip>         <value>45027366</value>         <shrsOrPrnAmt><sshPrnamt>375541</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>375541</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRH PLC</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G25508105</cusip>         <value>26067099</value>         <shrsOrPrnAmt><sshPrnamt>217407</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>215315</Sole>             <Shared>0</Shared>             <None>2092</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRH PLC</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G25508105</cusip>         <value>56380937</value>         <shrsOrPrnAmt><sshPrnamt>470233</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>470233</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRH PLC</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G25508105</cusip>         <value>556336</value>         <shrsOrPrnAmt><sshPrnamt>4640</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4640</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRH PLC</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G25508105</cusip>         <value>5275600</value>         <shrsOrPrnAmt><sshPrnamt>44000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>44000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRH PLC</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G25508105</cusip>         <value>32190272</value>         <shrsOrPrnAmt><sshPrnamt>268476</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>268476</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRH PLC</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G25508105</cusip>         <value>4980526</value>         <shrsOrPrnAmt><sshPrnamt>41539</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>41344</Sole>             <Shared>0</Shared>             <None>195</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRH PLC</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G25508105</cusip>         <value>11331269</value>         <shrsOrPrnAmt><sshPrnamt>94506</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>94506</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRH PLC</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>G25508105</cusip>         <value>1199000</value>         <shrsOrPrnAmt><sshPrnamt>10000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>         <titleOfClass>NAMEN AKT</titleOfClass>         <cusip>H17182108</cusip>         <value>80235</value>         <shrsOrPrnAmt><sshPrnamt>1238</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1238</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>         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<value>20630289</value>         <shrsOrPrnAmt><sshPrnamt>119333</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>119333</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>253868103</cusip>         <value>2083550</value>         <shrsOrPrnAmt><sshPrnamt>12052</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4868</Sole>             <Shared>0</Shared>             <None>7184</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>253868103</cusip>         <value>114447</value>         <shrsOrPrnAmt><sshPrnamt>662</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>157</Sole>             <Shared>0</Shared>             <None>505</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>253868103</cusip>         <value>4032945</value>         <shrsOrPrnAmt><sshPrnamt>23328</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>23328</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>253868103</cusip>         <value>488559</value>         <shrsOrPrnAmt><sshPrnamt>2826</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2826</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>253868103</cusip>         <value>252059</value>         <shrsOrPrnAmt><sshPrnamt>1458</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1458</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>253868103</cusip>         <value>13663571</value>         <shrsOrPrnAmt><sshPrnamt>79035</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>79035</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITAL TURBINE INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>25400W102</cusip>         <value>374125</value>         <shrsOrPrnAmt><sshPrnamt>58457</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>58457</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITAL TURBINE INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>25400W102</cusip>         <value>192</value>         <shrsOrPrnAmt><sshPrnamt>30</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>30</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITALBRIDGE GROUP INC</nameOfIssuer>         <titleOfClass>CL A NEW</titleOfClass>         <cusip>25401T603</cusip>         <value>116228</value>         <shrsOrPrnAmt><sshPrnamt>9934</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>9934</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITALBRIDGE GROUP INC</nameOfIssuer>         <titleOfClass>CL A NEW</titleOfClass>         <cusip>25401T603</cusip>         <value>52837</value>         <shrsOrPrnAmt><sshPrnamt>4516</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4516</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITALBRIDGE GROUP INC</nameOfIssuer>         <titleOfClass>CL A NEW</titleOfClass>         <cusip>25401T603</cusip>         <value>13163</value>         <shrsOrPrnAmt><sshPrnamt>1125</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1125</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITALOCEAN HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>25402D102</cusip>         <value>133566</value>         <shrsOrPrnAmt><sshPrnamt>3910</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3910</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITALOCEAN HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>25402D102</cusip>         <value>8711</value>         <shrsOrPrnAmt><sshPrnamt>255</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>240</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITALOCEAN HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>25402D102</cusip>         <value>58072</value>         <shrsOrPrnAmt><sshPrnamt>1700</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1700</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIGITALOCEAN HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>25402D102</cusip>         <value>48063</value>         <shrsOrPrnAmt><sshPrnamt>1407</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1407</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DILLARDS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>254067101</cusip>         <value>322602</value>         <shrsOrPrnAmt><sshPrnamt>525</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>488</Sole>             <Shared>0</Shared>             <None>37</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DILLARDS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>254067101</cusip>         <value>614</value>         <shrsOrPrnAmt><sshPrnamt>1</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>1</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DILLARDS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>254067101</cusip>         <value>1245551</value>         <shrsOrPrnAmt><sshPrnamt>2027</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2027</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US CORE EQT MKT</titleOfClass>         <cusip>25434V104</cusip>         <value>420077</value>         <shrsOrPrnAmt><sshPrnamt>9180</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>9180</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US CORE EQT MKT</titleOfClass>         <cusip>25434V104</cusip>         <value>36059</value>         <shrsOrPrnAmt><sshPrnamt>788</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>788</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTL CORE EQT MK</titleOfClass>         <cusip>25434V203</cusip>         <value>6855474</value>         <shrsOrPrnAmt><sshPrnamt>188596</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>188596</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>EMGR CRE EQT MNG</titleOfClass>         <cusip>25434V302</cusip>         <value>13085</value>         <shrsOrPrnAmt><sshPrnamt>415</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>415</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>EMGR CRE EQT MNG</titleOfClass>         <cusip>25434V302</cusip>         <value>19208079</value>         <shrsOrPrnAmt><sshPrnamt>609200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>604960</Sole>             <Shared>0</Shared>             <None>4240</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US EQUITY MARKET</titleOfClass>         <cusip>25434V401</cusip>         <value>657393</value>         <shrsOrPrnAmt><sshPrnamt>9075</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>9075</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US EQUITY MARKET</titleOfClass>         <cusip>25434V401</cusip>         <value>3028166</value>         <shrsOrPrnAmt><sshPrnamt>41802</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>41802</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US SMALL CAP ETF</titleOfClass>         <cusip>25434V500</cusip>         <value>943105</value>         <shrsOrPrnAmt><sshPrnamt>13776</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>13776</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US SMALL CAP ETF</titleOfClass>         <cusip>25434V500</cusip>         <value>23341</value>         <shrsOrPrnAmt><sshPrnamt>341</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>341</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US SMALL CAP ETF</titleOfClass>         <cusip>25434V500</cusip>         <value>65709859</value>         <shrsOrPrnAmt><sshPrnamt>959828</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>958022</Sole>             <Shared>0</Shared>             <None>1806</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>EMERGING MRKTETS</titleOfClass>         <cusip>25434V534</cusip>         <value>167418</value>         <shrsOrPrnAmt><sshPrnamt>2960</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2960</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US TARGETED VLU</titleOfClass>         <cusip>25434V609</cusip>         <value>63740</value>         <shrsOrPrnAmt><sshPrnamt>1095</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1095</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US TARGETED VLU</titleOfClass>         <cusip>25434V609</cusip>         <value>1128737</value>         <shrsOrPrnAmt><sshPrnamt>19391</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>19391</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>WORLD EQUITY ETF</titleOfClass>         <cusip>25434V617</cusip>         <value>1250422</value>         <shrsOrPrnAmt><sshPrnamt>17401</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>17401</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US CORE EQUITY 1</titleOfClass>         <cusip>25434V625</cusip>         <value>125823</value>         <shrsOrPrnAmt><sshPrnamt>1749</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1749</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US LARGE CAP VAL</titleOfClass>         <cusip>25434V666</cusip>         <value>41897085</value>         <shrsOrPrnAmt><sshPrnamt>1273468</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1272609</Sole>             <Shared>0</Shared>             <None>859</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>GLOBAL SUSTAINA</titleOfClass>         <cusip>25434V674</cusip>         <value>69517</value>         <shrsOrPrnAmt><sshPrnamt>1305</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1305</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>EMERGING MARKETS</titleOfClass>         <cusip>25434V682</cusip>         <value>3287</value>         <shrsOrPrnAmt><sshPrnamt>80</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>80</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTERNATIONAL</titleOfClass>         <cusip>25434V690</cusip>         <value>529238</value>         <shrsOrPrnAmt><sshPrnamt>12924</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>12924</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US CORE EQUITY 2</titleOfClass>         <cusip>25434V708</cusip>         <value>206542</value>         <shrsOrPrnAmt><sshPrnamt>5355</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5355</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US CORE EQUITY 2</titleOfClass>         <cusip>25434V708</cusip>         <value>337603</value>         <shrsOrPrnAmt><sshPrnamt>8753</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>8753</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US SUSTAINABILTY</titleOfClass>         <cusip>25434V716</cusip>         <value>119341</value>         <shrsOrPrnAmt><sshPrnamt>2810</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2810</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US MKTWIDE VALUE</titleOfClass>         <cusip>25434V724</cusip>         <value>43707</value>         <shrsOrPrnAmt><sshPrnamt>978</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>978</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US MKTWIDE VALUE</titleOfClass>         <cusip>25434V724</cusip>         <value>69157</value>         <shrsOrPrnAmt><sshPrnamt>1547</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1547</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US MKTWIDE VALUE</titleOfClass>         <cusip>25434V724</cusip>         <value>172503</value>         <shrsOrPrnAmt><sshPrnamt>3860</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3860</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US MKTWIDE VALUE</titleOfClass>         <cusip>25434V724</cusip>         <value>1015376</value>         <shrsOrPrnAmt><sshPrnamt>22720</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>22720</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>EMERGING MKTS CO</titleOfClass>         <cusip>25434V732</cusip>         <value>38644</value>         <shrsOrPrnAmt><sshPrnamt>1205</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1205</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>EMERGING MKTS CO</titleOfClass>         <cusip>25434V732</cusip>         <value>50162105</value>         <shrsOrPrnAmt><sshPrnamt>1564144</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1564144</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>EMERGING MKTS VA</titleOfClass>         <cusip>25434V740</cusip>         <value>1308884</value>         <shrsOrPrnAmt><sshPrnamt>41044</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>39991</Sole>             <Shared>0</Shared>             <None>1053</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTL HIGH PROFIT</titleOfClass>         <cusip>25434V765</cusip>         <value>76009068</value>         <shrsOrPrnAmt><sshPrnamt>2500298</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2494458</Sole>             <Shared>0</Shared>             <None>5840</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTL SMALL CAP E</titleOfClass>         <cusip>25434V773</cusip>         <value>42925911</value>         <shrsOrPrnAmt><sshPrnamt>1357127</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1352760</Sole>             <Shared>0</Shared>             <None>4367</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTL SMALL CAP V</titleOfClass>         <cusip>25434V781</cusip>         <value>42328</value>         <shrsOrPrnAmt><sshPrnamt>1186</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1186</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTL SMALL CAP V</titleOfClass>         <cusip>25434V781</cusip>         <value>28608957</value>         <shrsOrPrnAmt><sshPrnamt>801596</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>799942</Sole>             <Shared>0</Shared>             <None>1654</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTL CORE EQUITY</titleOfClass>         <cusip>25434V799</cusip>         <value>131849</value>         <shrsOrPrnAmt><sshPrnamt>4021</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4021</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTL CORE EQUITY</titleOfClass>         <cusip>25434V799</cusip>         <value>95353</value>         <shrsOrPrnAmt><sshPrnamt>2908</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2908</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTERNATNAL VAL</titleOfClass>         <cusip>25434V807</cusip>         <value>145785</value>         <shrsOrPrnAmt><sshPrnamt>3161</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3161</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>INTERNATNAL VAL</titleOfClass>         <cusip>25434V807</cusip>         <value>234288</value>         <shrsOrPrnAmt><sshPrnamt>5080</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5080</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US SMALL CAP VAL</titleOfClass>         <cusip>25434V815</cusip>         <value>42092</value>         <shrsOrPrnAmt><sshPrnamt>1322</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1322</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US SMALL CAP VAL</titleOfClass>         <cusip>25434V815</cusip>         <value>28873886</value>         <shrsOrPrnAmt><sshPrnamt>906843</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>905512</Sole>             <Shared>0</Shared>             <None>1331</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US HIGH PROFITAB</titleOfClass>         <cusip>25434V831</cusip>         <value>4570</value>         <shrsOrPrnAmt><sshPrnamt>121</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>121</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>US HIGH PROFITAB</titleOfClass>         <cusip>25434V831</cusip>         <value>94404788</value>         <shrsOrPrnAmt><sshPrnamt>2499465</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2496200</Sole>             <Shared>0</Shared>             <None>3265</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>         <titleOfClass>WORLD EX US CORE</titleOfClass>         <cusip>25434V880</cusip>         <value>114694</value>         <shrsOrPrnAmt><sshPrnamt>3655</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3655</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DLY TECH BULL 3X</titleOfClass>         <cusip>25459W102</cusip>         <value>12841</value>         <shrsOrPrnAmt><sshPrnamt>103</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>103</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DLY SCOND 3XBU</titleOfClass>         <cusip>25459W458</cusip>         <value>264610</value>         <shrsOrPrnAmt><sshPrnamt>7595</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7595</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DRX S&amp;P500BULL</titleOfClass>         <cusip>25459W862</cusip>         <value>496482</value>         <shrsOrPrnAmt><sshPrnamt>2343</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2343</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DRX S&amp;P500BULL</titleOfClass>         <cusip>25459W862</cusip>         <value>95355</value>         <shrsOrPrnAmt><sshPrnamt>450</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>450</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>NAS100 EQL WGT</titleOfClass>         <cusip>25459Y207</cusip>         <value>133414</value>         <shrsOrPrnAmt><sshPrnamt>1313</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1313</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>NAS100 EQL WGT</titleOfClass>         <cusip>25459Y207</cusip>         <value>51728</value>         <shrsOrPrnAmt><sshPrnamt>509</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>509</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DLY FIN BULL NEW</titleOfClass>         <cusip>25459Y694</cusip>         <value>44475</value>         <shrsOrPrnAmt><sshPrnamt>250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>250</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>HEALTHCARE BUL</titleOfClass>         <cusip>25459Y876</cusip>         <value>418</value>         <shrsOrPrnAmt><sshPrnamt>5</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY SM CP BEAR</titleOfClass>         <cusip>25460E232</cusip>         <value>2644</value>         <shrsOrPrnAmt><sshPrnamt>322</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>322</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY 20+ YEAR T</titleOfClass>         <cusip>25460G138</cusip>         <value>121</value>         <shrsOrPrnAmt><sshPrnamt>3</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY 20+ YEAR T</titleOfClass>         <cusip>25460G138</cusip>         <value>1349646</value>         <shrsOrPrnAmt><sshPrnamt>33590</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>33590</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DL FTSE BULL 3X</titleOfClass>         <cusip>25460G195</cusip>         <value>12704</value>         <shrsOrPrnAmt><sshPrnamt>234</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>234</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY TSLA 2X SH</titleOfClass>         <cusip>25460G286</cusip>         <value>210045</value>         <shrsOrPrnAmt><sshPrnamt>9950</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>9950</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY TSLA 2X SH</titleOfClass>         <cusip>25460G286</cusip>         <value>38787514</value>         <shrsOrPrnAmt><sshPrnamt>1837400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1837400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY TSLA 2X SH</titleOfClass>         <cusip>25460G286</cusip>         <value>37098714</value>         <shrsOrPrnAmt><sshPrnamt>1757400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1757400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DLY GOLD INDX 2X</titleOfClass>         <cusip>25460G781</cusip>         <value>5714</value>         <shrsOrPrnAmt><sshPrnamt>37</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>37</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY PLTR BULL</titleOfClass>         <cusip>25461A445</cusip>         <value>15278</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY JR GOLD MI</titleOfClass>         <cusip>25461A577</cusip>         <value>2516</value>         <shrsOrPrnAmt><sshPrnamt>585</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>585</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY NVDA 2X SH</titleOfClass>         <cusip>25461A833</cusip>         <value>45896</value>         <shrsOrPrnAmt><sshPrnamt>350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>350</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DAILY NFLX BULL</titleOfClass>         <cusip>25461A882</cusip>         <value>28025</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>         <titleOfClass>DLY EMG MK BL 3X</titleOfClass>         <cusip>25490K281</cusip>         <value>255</value>         <shrsOrPrnAmt><sshPrnamt>5</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DISC MEDICINE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>254604101</cusip>         <value>1171929</value>         <shrsOrPrnAmt><sshPrnamt>17735</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>17735</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DISC MEDICINE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>254604101</cusip>         <value>3304</value>         <shrsOrPrnAmt><sshPrnamt>50</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>50</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DISNEY WALT CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>254687106</cusip>         <value>71101294</value>         <shrsOrPrnAmt><sshPrnamt>620972</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>620972</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DISNEY WALT CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>254687106</cusip>         <value>48358388</value>         <shrsOrPrnAmt><sshPrnamt>422344</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>374685</Sole>             <Shared>6375</Shared>             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   <votingAuthority><Sole>1225</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DT MIDSTREAM INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>23345M107</cusip>         <value>4643374</value>         <shrsOrPrnAmt><sshPrnamt>41070</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>41070</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DT MIDSTREAM INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>23345M107</cusip>         <value>199438</value>         <shrsOrPrnAmt><sshPrnamt>1764</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1206</Sole>             <Shared>0</Shared>             <None>558</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DT MIDSTREAM INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>23345M107</cusip>         <value>904</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             <None>4</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DT MIDSTREAM INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>23345M107</cusip>         <value>254837</value>         <shrsOrPrnAmt><sshPrnamt>2254</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<titleOfClass>COM NEW</titleOfClass>         <cusip>26441C204</cusip>         <value>265320</value>         <shrsOrPrnAmt><sshPrnamt>2144</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2144</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>26441C204</cusip>         <value>101491</value>         <shrsOrPrnAmt><sshPrnamt>820</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>820</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>26441C204</cusip>         <value>345525</value>         <shrsOrPrnAmt><sshPrnamt>2792</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2792</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>26441C204</cusip>         <value>18657664</value>         <shrsOrPrnAmt><sshPrnamt>150769</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>150769</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DUOLINGO INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>26603R106</cusip>         <value>907589</value>         <shrsOrPrnAmt><sshPrnamt>2820</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2820</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>DUOLINGO INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>26603R106</cusip>         <value>102989</value>         <shrsOrPrnAmt><sshPrnamt>320</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>179</Sole>             <Shared>0</Shared>             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<cusip>G29183103</cusip>         <value>1871250</value>         <shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>5000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EATON CORP PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G29183103</cusip>         <value>3592800</value>         <shrsOrPrnAmt><sshPrnamt>9600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>9600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EBAY INC.</nameOfIssuer>         <titleOfClass>COM</titleOfClass>      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<infoTable><nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>291011104</cusip>         <value>11543840</value>         <shrsOrPrnAmt><sshPrnamt>88000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>88000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EMPIRE ST RLTY OP L P</nameOfIssuer>         <titleOfClass>UNIT LTD PRTNSP</titleOfClass>         <cusip>292102100</cusip>         <value>128057</value>         <shrsOrPrnAmt><sshPrnamt>17212</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>17212</Sole>             <Shared>0</Shared>             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        <cusip>29362U104</cusip>         <value>11423895</value>         <shrsOrPrnAmt><sshPrnamt>123555</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>123555</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29364G103</cusip>         <value>32760945</value>         <shrsOrPrnAmt><sshPrnamt>351550</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>351550</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29364G103</cusip>         <value>10492355</value>         <shrsOrPrnAmt><sshPrnamt>112591</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>99432</Sole>             <Shared>0</Shared>             <None>13159</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29364G103</cusip>         <value>129441</value>         <shrsOrPrnAmt><sshPrnamt>1389</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>80</Sole>             <Shared>0</Shared>             <None>1309</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ENTERGY CORP 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<infoTable><nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29364G103</cusip>         <value>48272</value>         <shrsOrPrnAmt><sshPrnamt>518</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>518</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29364G103</cusip>         <value>160442</value>         <shrsOrPrnAmt><sshPrnamt>1722</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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          <votingAuthority><Sole>334900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>293792107</cusip>         <value>3127000</value>         <shrsOrPrnAmt><sshPrnamt>100000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ENVIRI CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>415864107</cusip>         <value>57943</value>         <shrsOrPrnAmt><sshPrnamt>4566</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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<titleOfClass>COM</titleOfClass>         <cusip>29414B104</cusip>         <value>2484114</value>         <shrsOrPrnAmt><sshPrnamt>16474</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>16474</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPAM SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29414B104</cusip>         <value>338825</value>         <shrsOrPrnAmt><sshPrnamt>2247</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>599</Sole>             <Shared>0</Shared>             <None>1648</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPAM SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29414B104</cusip>         <value>7992</value>         <shrsOrPrnAmt><sshPrnamt>53</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>53</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPAM SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29414B104</cusip>         <value>139028</value>         <shrsOrPrnAmt><sshPrnamt>922</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>922</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPAM SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29414B104</cusip>         <value>1149020</value>         <shrsOrPrnAmt><sshPrnamt>7620</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7620</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPAM SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29414B104</cusip>         <value>1659</value>         <shrsOrPrnAmt><sshPrnamt>11</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>11</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPAM SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29414B104</cusip>         <value>1609532</value>         <shrsOrPrnAmt><sshPrnamt>10674</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10674</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPR PPTYS</nameOfIssuer>         <titleOfClass>COM SH BEN INT</titleOfClass>         <cusip>26884U109</cusip>         <value>314472</value>         <shrsOrPrnAmt><sshPrnamt>5421</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5421</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPR PPTYS</nameOfIssuer>         <titleOfClass>COM SH BEN INT</titleOfClass>         <cusip>26884U109</cusip>         <value>491055</value>         <shrsOrPrnAmt><sshPrnamt>8465</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8036</Sole>             <Shared>0</Shared>             <None>429</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPR PPTYS</nameOfIssuer>         <titleOfClass>COM SH BEN INT</titleOfClass>         <cusip>26884U109</cusip>         <value>183138</value>         <shrsOrPrnAmt><sshPrnamt>3157</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3157</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPR PPTYS</nameOfIssuer>         <titleOfClass>COM SH BEN INT</titleOfClass>         <cusip>26884U109</cusip>         <value>6381</value>         <shrsOrPrnAmt><sshPrnamt>110</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>110</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EPR PPTYS</nameOfIssuer>         <titleOfClass>COM SH BEN INT</titleOfClass>         <cusip>26884U109</cusip>         <value>7630519</value>         <shrsOrPrnAmt><sshPrnamt>131538</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>131538</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>26884L109</cusip>         <value>10564047</value>         <shrsOrPrnAmt><sshPrnamt>194085</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>194085</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>26884L109</cusip>         <value>665461</value>         <shrsOrPrnAmt><sshPrnamt>12226</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5374</Sole>             <Shared>0</Shared>             <None>6852</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>26884L109</cusip>         <value>7457</value>         <shrsOrPrnAmt><sshPrnamt>137</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>11</Sole>             <Shared>0</Shared>             <None>126</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>26884L109</cusip>         <value>1171878</value>         <shrsOrPrnAmt><sshPrnamt>21530</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>21530</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>26884L109</cusip>         <value>8069411</value>         <shrsOrPrnAmt><sshPrnamt>148253</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>148253</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>26884L109</cusip>         <value>152392</value>         <shrsOrPrnAmt><sshPrnamt>2800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2800</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>26884L109</cusip>         <value>11609592</value>         <shrsOrPrnAmt><sshPrnamt>213294</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>213294</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUIFAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>294429105</cusip>         <value>9392846</value>         <shrsOrPrnAmt><sshPrnamt>36615</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>36615</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUIFAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>294429105</cusip>         <value>1488644</value>         <shrsOrPrnAmt><sshPrnamt>5803</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3662</Sole>             <Shared>0</Shared>             <None>2141</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUIFAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>294429105</cusip>         <value>10518</value>         <shrsOrPrnAmt><sshPrnamt>41</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>41</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUIFAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>294429105</cusip>         <value>679303</value>         <shrsOrPrnAmt><sshPrnamt>2648</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2648</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUIFAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>294429105</cusip>         <value>1338574</value>         <shrsOrPrnAmt><sshPrnamt>5218</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5218</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUIFAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>294429105</cusip>         <value>73368</value>         <shrsOrPrnAmt><sshPrnamt>286</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>286</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUIFAX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>294429105</cusip>         <value>5928408</value>         <shrsOrPrnAmt><sshPrnamt>23110</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>23110</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29444U700</cusip>         <value>27898226</value>         <shrsOrPrnAmt><sshPrnamt>35619</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>35619</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29444U700</cusip>         <value>3384380</value>         <shrsOrPrnAmt><sshPrnamt>4321</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2622</Sole>             <Shared>0</Shared>             <None>1699</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29444U700</cusip>         <value>46211</value>         <shrsOrPrnAmt><sshPrnamt>59</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>16</Sole>             <Shared>0</Shared>             <None>43</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29444U700</cusip>         <value>2623868</value>         <shrsOrPrnAmt><sshPrnamt>3350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3350</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29444U700</cusip>         <value>34453161</value>         <shrsOrPrnAmt><sshPrnamt>43988</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>43988</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29444U700</cusip>         <value>3916</value>         <shrsOrPrnAmt><sshPrnamt>5</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29444U700</cusip>         <value>188361</value>         <shrsOrPrnAmt><sshPrnamt>240</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>240</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29444U700</cusip>         <value>77541</value>         <shrsOrPrnAmt><sshPrnamt>99</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>99</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINIX INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29444U700</cusip>         <value>42805632</value>         <shrsOrPrnAmt><sshPrnamt>54652</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>54652</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOR ASA</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>29446M102</cusip>         <value>3952071</value>         <shrsOrPrnAmt><sshPrnamt>162103</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>162103</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOR ASA</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>29446M102</cusip>         <value>30865</value>         <shrsOrPrnAmt><sshPrnamt>1266</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1266</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOR ASA</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>29446M102</cusip>         <value>11702</value>         <shrsOrPrnAmt><sshPrnamt>480</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>480</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOR ASA</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>29446M102</cusip>         <value>1414</value>         <shrsOrPrnAmt><sshPrnamt>58</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>58</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29446Y502</cusip>         <value>61482559</value>         <shrsOrPrnAmt><sshPrnamt>5479729</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5479729</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29446Y502</cusip>         <value>1683000</value>         <shrsOrPrnAmt><sshPrnamt>150000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>150000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29446Y502</cusip>         <value>25657088</value>         <shrsOrPrnAmt><sshPrnamt>2286728</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2286728</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29446Y502</cusip>         <value>1263103</value>         <shrsOrPrnAmt><sshPrnamt>112576</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>112576</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29446Y502</cusip>         <value>422960</value>         <shrsOrPrnAmt><sshPrnamt>37697</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>37697</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29446Y502</cusip>         <value>28050</value>         <shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>2500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29446Y502</cusip>         <value>1122000</value>         <shrsOrPrnAmt><sshPrnamt>100000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29446Y502</cusip>         <value>28050</value>         <shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>2500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>         <titleOfClass>NOTE  4.750%10/1</titleOfClass>         <cusip>29446YAC0</cusip>         <value>1250648</value>         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<infoTable><nameOfIssuer>EQUITY LIFESTYLE PPTYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29472R108</cusip>         <value>1335</value>         <shrsOrPrnAmt><sshPrnamt>22</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>22</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EQUITY LIFESTYLE PPTYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>29472R108</cusip>         <value>487732</value>         <shrsOrPrnAmt><sshPrnamt>8035</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>8035</Sole>             <Shared>0</Shared>             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<None>32480</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVERCORE INC</nameOfIssuer>         <titleOfClass>CLASS A</titleOfClass>         <cusip>29977A105</cusip>         <value>927630</value>         <shrsOrPrnAmt><sshPrnamt>2750</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2750</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVERCORE INC</nameOfIssuer>         <titleOfClass>CLASS A</titleOfClass>         <cusip>29977A105</cusip>         <value>53634</value>         <shrsOrPrnAmt><sshPrnamt>159</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>159</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVERCORE INC</nameOfIssuer>         <titleOfClass>CLASS A</titleOfClass>         <cusip>29977A105</cusip>         <value>1535143</value>         <shrsOrPrnAmt><sshPrnamt>4551</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4551</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVERCORE INC</nameOfIssuer>         <titleOfClass>CLASS A</titleOfClass>         <cusip>29977A105</cusip>         <value>1012</value>         <shrsOrPrnAmt><sshPrnamt>3</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3</Sole>             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        <otherManager>11</otherManager>         <votingAuthority><Sole>142</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G3223R108</cusip>         <value>7000747</value>         <shrsOrPrnAmt><sshPrnamt>19989</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>19989</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVERGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30034W106</cusip>         <value>10488631</value>         <shrsOrPrnAmt><sshPrnamt>137972</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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     <otherManager>6</otherManager>         <votingAuthority><Sole>31</Sole>             <Shared>0</Shared>             <None>578</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVERGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30034W106</cusip>         <value>488352</value>         <shrsOrPrnAmt><sshPrnamt>6424</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6424</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVERGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30034W106</cusip>         <value>2559289</value>         <shrsOrPrnAmt><sshPrnamt>33666</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>33666</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVERGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30034W106</cusip>         <value>2129</value>         <shrsOrPrnAmt><sshPrnamt>28</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>28</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVERGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30034W106</cusip>         <value>38010</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>       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<value>1157625</value>         <shrsOrPrnAmt><sshPrnamt>13500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>13500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVGO INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>30052F100</cusip>         <value>35972</value>         <shrsOrPrnAmt><sshPrnamt>7605</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7605</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVGO INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>30052F100</cusip>         <value>7890</value>         <shrsOrPrnAmt><sshPrnamt>1668</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1668</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVGO INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>30052F100</cusip>         <value>57720</value>         <shrsOrPrnAmt><sshPrnamt>12203</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12203</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EVGO INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         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CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30063P105</cusip>         <value>252870</value>         <shrsOrPrnAmt><sshPrnamt>4622</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4622</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30063P105</cusip>         <value>21446</value>         <shrsOrPrnAmt><sshPrnamt>392</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>392</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30063P105</cusip>         <value>9849496</value>         <shrsOrPrnAmt><sshPrnamt>180031</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>180031</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXELIXIS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30161Q104</cusip>         <value>2726833</value>         <shrsOrPrnAmt><sshPrnamt>66025</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>66025</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXELIXIS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30161Q104</cusip>         <value>163631</value>         <shrsOrPrnAmt><sshPrnamt>3962</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3223</Sole>             <Shared>0</Shared>             <None>739</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXELIXIS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30161Q104</cusip>         <value>537</value>         <shrsOrPrnAmt><sshPrnamt>13</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>13</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXELIXIS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30161Q104</cusip>         <value>311856</value>         <shrsOrPrnAmt><sshPrnamt>7551</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7551</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXELIXIS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30161Q104</cusip>         <value>179903</value>         <shrsOrPrnAmt><sshPrnamt>4356</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4356</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXELON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30161N101</cusip>         <value>111158406</value>         <shrsOrPrnAmt><sshPrnamt>2469638</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2469638</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXELON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30161N101</cusip>         <value>3517622</value>         <shrsOrPrnAmt><sshPrnamt>78152</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>58322</Sole>             <Shared>0</Shared>             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         <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXELON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30161N101</cusip>         <value>12457</value>         <shrsOrPrnAmt><sshPrnamt>277</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>277</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXELON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30161N101</cusip>         <value>84612</value>         <shrsOrPrnAmt><sshPrnamt>1880</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1880</Sole>             <Shared>0</Shared>   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INTL WASH INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>302130109</cusip>         <value>57862</value>         <shrsOrPrnAmt><sshPrnamt>472</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>131</Sole>             <Shared>0</Shared>             <None>341</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>302130109</cusip>         <value>605472</value>         <shrsOrPrnAmt><sshPrnamt>4939</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4939</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>302130109</cusip>         <value>1579450</value>         <shrsOrPrnAmt><sshPrnamt>12884</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>12884</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>302130109</cusip>         <value>4644200</value>         <shrsOrPrnAmt><sshPrnamt>37884</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>37884</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXPONENT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30214U102</cusip>         <value>254992</value>         <shrsOrPrnAmt><sshPrnamt>3670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3670</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXPONENT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30214U102</cusip>         <value>231855</value>         <shrsOrPrnAmt><sshPrnamt>3337</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1285</Sole>             <Shared>0</Shared>             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<otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>26</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30225T102</cusip>         <value>28188</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30225T102</cusip>         <value>7216551</value>         <shrsOrPrnAmt><sshPrnamt>51203</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>51203</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXTREME NETWORKS</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30226D106</cusip>         <value>163693</value>         <shrsOrPrnAmt><sshPrnamt>7927</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7927</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXTREME NETWORKS</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30226D106</cusip>         <value>86296</value>         <shrsOrPrnAmt><sshPrnamt>4179</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<titleOfClass>COM</titleOfClass>         <cusip>30231G102</cusip>         <value>136794389</value>         <shrsOrPrnAmt><sshPrnamt>1213254</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1213254</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>30231G102</cusip>         <value>8118000</value>         <shrsOrPrnAmt><sshPrnamt>72000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>72000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>F N B CORP</nameOfIssuer>         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<titleOfClass>COM</titleOfClass>         <cusip>315616102</cusip>         <value>5891107</value>         <shrsOrPrnAmt><sshPrnamt>18228</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>18228</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>F5 INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>315616102</cusip>         <value>32658026</value>         <shrsOrPrnAmt><sshPrnamt>101049</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>101049</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>F5 INC</nameOfIssuer>       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<titleOfClass>SHS</titleOfClass>         <cusip>G3323L100</cusip>         <value>5445600</value>         <shrsOrPrnAmt><sshPrnamt>14935</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>14935</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FABRINET</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3323L100</cusip>         <value>387956</value>         <shrsOrPrnAmt><sshPrnamt>1064</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>848</Sole>             <Shared>0</Shared>             <None>216</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FABRINET</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3323L100</cusip>         <value>11668</value>         <shrsOrPrnAmt><sshPrnamt>32</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>32</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303075105</cusip>         <value>4080764</value>         <shrsOrPrnAmt><sshPrnamt>14244</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>14244</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303075105</cusip>         <value>1597468</value>         <shrsOrPrnAmt><sshPrnamt>5576</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3470</Sole>             <Shared>0</Shared>             <None>2106</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303075105</cusip>         <value>12033</value>         <shrsOrPrnAmt><sshPrnamt>42</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>34</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303075105</cusip>         <value>238646</value>         <shrsOrPrnAmt><sshPrnamt>833</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>833</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303075105</cusip>         <value>800740</value>         <shrsOrPrnAmt><sshPrnamt>2795</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2795</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303075105</cusip>         <value>7200</value>         <shrsOrPrnAmt><sshPrnamt>25</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>25</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303075105</cusip>         <value>2072182</value>         <shrsOrPrnAmt><sshPrnamt>7233</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>7233</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303250104</cusip>         <value>10770526</value>         <shrsOrPrnAmt><sshPrnamt>7197</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7197</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303250104</cusip>         <value>1408235</value>         <shrsOrPrnAmt><sshPrnamt>941</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>719</Sole>             <Shared>0</Shared>             <None>222</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303250104</cusip>         <value>25441</value>         <shrsOrPrnAmt><sshPrnamt>17</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3</Sole>             <Shared>0</Shared>             <None>14</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303250104</cusip>         <value>4544962</value>         <shrsOrPrnAmt><sshPrnamt>3037</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3037</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303250104</cusip>         <value>137681</value>         <shrsOrPrnAmt><sshPrnamt>92</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>92</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303250104</cusip>         <value>2993</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303250104</cusip>         <value>16462</value>         <shrsOrPrnAmt><sshPrnamt>11</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>11</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>303250104</cusip>         <value>15875190</value>         <shrsOrPrnAmt><sshPrnamt>10608</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10608</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>311900104</cusip>         <value>31916164</value>         <shrsOrPrnAmt><sshPrnamt>650819</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>650819</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>311900104</cusip>         <value>7271014</value>         <shrsOrPrnAmt><sshPrnamt>148267</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>116667</Sole>             <Shared>0</Shared>             <None>31600</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>311900104</cusip>         <value>35407</value>         <shrsOrPrnAmt><sshPrnamt>722</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>28</Sole>             <Shared>0</Shared>             <None>694</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>311900104</cusip>         <value>2375694</value>         <shrsOrPrnAmt><sshPrnamt>48444</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>48444</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>311900104</cusip>         <value>61345019</value>         <shrsOrPrnAmt><sshPrnamt>1250918</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1250918</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>311900104</cusip>         <value>5961744</value>         <shrsOrPrnAmt><sshPrnamt>121569</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>121569</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>311900104</cusip>         <value>97165</value>         <shrsOrPrnAmt><sshPrnamt>1981</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1981</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>311900104</cusip>         <value>121325</value>         <shrsOrPrnAmt><sshPrnamt>2474</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2474</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FASTENAL CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>311900104</cusip>         <value>10446108</value>         <shrsOrPrnAmt><sshPrnamt>213012</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>213012</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERAL AGRIC MTG CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>313148108</cusip>         <value>1190400</value>         <shrsOrPrnAmt><sshPrnamt>9600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>9600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERAL AGRIC MTG CORP</nameOfIssuer>         <titleOfClass>CL C</titleOfClass>         <cusip>313148306</cusip>         <value>2519700</value>         <shrsOrPrnAmt><sshPrnamt>15000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>15000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERAL AGRIC MTG CORP</nameOfIssuer>         <titleOfClass>CL C</titleOfClass>         <cusip>313148306</cusip>         <value>82310</value>         <shrsOrPrnAmt><sshPrnamt>490</sshPrnamt>             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<titleOfClass>SH BEN INT NEW</titleOfClass>         <cusip>313745101</cusip>         <value>15837995</value>         <shrsOrPrnAmt><sshPrnamt>156332</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>156332</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERAL SIGNAL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>313855108</cusip>         <value>428959</value>         <shrsOrPrnAmt><sshPrnamt>3605</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3605</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERAL SIGNAL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>313855108</cusip>         <value>297713</value>         <shrsOrPrnAmt><sshPrnamt>2502</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2117</Sole>             <Shared>0</Shared>             <None>385</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERAL SIGNAL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>313855108</cusip>         <value>19633</value>         <shrsOrPrnAmt><sshPrnamt>165</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>165</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERAL SIGNAL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>313855108</cusip>         <value>3392405</value>         <shrsOrPrnAmt><sshPrnamt>28510</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>28510</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERAL SIGNAL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>313855108</cusip>         <value>376966</value>         <shrsOrPrnAmt><sshPrnamt>3168</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3168</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERATED HERMES INC</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>314211103</cusip>         <value>273775</value>         <shrsOrPrnAmt><sshPrnamt>5272</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5272</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERATED HERMES INC</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>314211103</cusip>         <value>60395</value>         <shrsOrPrnAmt><sshPrnamt>1163</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>725</Sole>             <Shared>0</Shared>             <None>438</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDERATED HERMES INC</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>314211103</cusip>         <value>8413</value>         <shrsOrPrnAmt><sshPrnamt>162</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>162</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDEX CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31428X106</cusip>         <value>16426289</value>         <shrsOrPrnAmt><sshPrnamt>69659</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>69659</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDEX CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31428X106</cusip>         <value>5941940</value>         <shrsOrPrnAmt><sshPrnamt>25198</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>19130</Sole>             <Shared>610</Shared>             <None>5458</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDEX CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31428X106</cusip>         <value>128752</value>         <shrsOrPrnAmt><sshPrnamt>546</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>61</Sole>             <Shared>0</Shared>             <None>485</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDEX CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31428X106</cusip>         <value>1663404</value>         <shrsOrPrnAmt><sshPrnamt>7054</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7054</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FEDEX CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31428X106</cusip>         <value>21183756</value>         <shrsOrPrnAmt><sshPrnamt>89834</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         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<votingAuthority><Sole>46893</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COMMON STOCK NEW</titleOfClass>         <cusip>31488V107</cusip>         <value>3385319</value>         <shrsOrPrnAmt><sshPrnamt>15074</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>15074</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COMMON STOCK NEW</titleOfClass>         <cusip>31488V107</cusip>         <value>2468134</value>         <shrsOrPrnAmt><sshPrnamt>10990</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10531</Sole>             <Shared>0</Shared>             <None>459</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COMMON STOCK NEW</titleOfClass>         <cusip>31488V107</cusip>         <value>14107442</value>         <shrsOrPrnAmt><sshPrnamt>62817</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>62817</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COMMON STOCK NEW</titleOfClass>         <cusip>31488V107</cusip>         <value>898</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             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<shrsOrPrnAmt><sshPrnamt>86814</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>86814</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COMMON STOCK NEW</titleOfClass>         <cusip>31488V107</cusip>         <value>8297557</value>         <shrsOrPrnAmt><sshPrnamt>36947</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>36947</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COMMON STOCK NEW</titleOfClass>         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<titleOfClass>COM</titleOfClass>         <cusip>N3167Y103</cusip>         <value>1075370</value>         <shrsOrPrnAmt><sshPrnamt>2226</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2226</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERRARI N V</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>N3167Y103</cusip>         <value>56913927</value>         <shrsOrPrnAmt><sshPrnamt>117811</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>117811</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERRARI N V</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>N3167Y103</cusip>         <value>1960883</value>         <shrsOrPrnAmt><sshPrnamt>4059</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>4059</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERRARI N V</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>N3167Y103</cusip>         <value>1126808</value>         <shrsOrPrnAmt><sshPrnamt>2332</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2332</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERRARI N V</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>N3167Y103</cusip>         <value>48310</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERRARI N V</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>N3167Y103</cusip>         <value>626574</value>         <shrsOrPrnAmt><sshPrnamt>1297</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1297</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERROGLOBE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G33856108</cusip>         <value>745745</value>         <shrsOrPrnAmt><sshPrnamt>163900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>163900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FERROVIAL SE</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>N3168P101</cusip>         <value>16927363</value>         <shrsOrPrnAmt><sshPrnamt>294391</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>294391</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>DISRUPTORS ETF</titleOfClass>         <cusip>316092121</cusip>         <value>48804</value>         <shrsOrPrnAmt><sshPrnamt>1374</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1374</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>DISRUPTIVE AUTOM</titleOfClass>         <cusip>316092170</cusip>         <value>8190</value>         <shrsOrPrnAmt><sshPrnamt>250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>250</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI CONSM DIS</titleOfClass>         <cusip>316092204</cusip>         <value>11521</value>         <shrsOrPrnAmt><sshPrnamt>112</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>112</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>FIDELITY MAGELAN</titleOfClass>         <cusip>316092329</cusip>         <value>39435</value>         <shrsOrPrnAmt><sshPrnamt>1120</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1120</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>BLUE CHIP GRWTH</titleOfClass>         <cusip>316092352</cusip>         <value>66538</value>         <shrsOrPrnAmt><sshPrnamt>1240</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1240</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>FUNDAMENTAL LARG</titleOfClass>         <cusip>316092360</cusip>         <value>16653</value>         <shrsOrPrnAmt><sshPrnamt>320</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>320</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>FIDELITY US MLTF</titleOfClass>         <cusip>316092378</cusip>         <value>18841</value>         <shrsOrPrnAmt><sshPrnamt>490</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>490</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI ENERGY IDX</titleOfClass>         <cusip>316092402</cusip>         <value>1730</value>         <shrsOrPrnAmt><sshPrnamt>70</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>70</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>SML MID MLTFCT</titleOfClass>         <cusip>316092527</cusip>         <value>20685</value>         <shrsOrPrnAmt><sshPrnamt>470</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>470</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI HLTH CARE I</titleOfClass>         <cusip>316092600</cusip>         <value>34304</value>         <shrsOrPrnAmt><sshPrnamt>513</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>513</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI HLTH CARE I</titleOfClass>         <cusip>316092600</cusip>         <value>28821</value>         <shrsOrPrnAmt><sshPrnamt>431</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>431</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI HLTH CARE I</titleOfClass>         <cusip>316092600</cusip>         <value>36024</value>         <shrsOrPrnAmt><sshPrnamt>539</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>539</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI INDL INDX</titleOfClass>         <cusip>316092709</cusip>         <value>246</value>         <shrsOrPrnAmt><sshPrnamt>3</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>3</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI INDL INDX</titleOfClass>         <cusip>316092709</cusip>         <value>40970</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>INT VL FCT ETF</titleOfClass>         <cusip>316092717</cusip>         <value>18768</value>         <shrsOrPrnAmt><sshPrnamt>600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>600</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>VLU FACTOR ETF</titleOfClass>         <cusip>316092782</cusip>         <value>18802</value>         <shrsOrPrnAmt><sshPrnamt>273</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>273</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>QLTY FCTOR ETF</titleOfClass>         <cusip>316092790</cusip>         <value>261520</value>         <shrsOrPrnAmt><sshPrnamt>3500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>QLTY FCTOR ETF</titleOfClass>         <cusip>316092790</cusip>         <value>8144</value>         <shrsOrPrnAmt><sshPrnamt>109</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>109</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI INFO TECH I</titleOfClass>         <cusip>316092808</cusip>         <value>234834</value>         <shrsOrPrnAmt><sshPrnamt>1057</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1057</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI INFO TECH I</titleOfClass>         <cusip>316092808</cusip>         <value>28882</value>         <shrsOrPrnAmt><sshPrnamt>130</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>130</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI INFO TECH I</titleOfClass>         <cusip>316092808</cusip>         <value>1777</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI INFO TECH I</titleOfClass>         <cusip>316092808</cusip>         <value>17996</value>         <shrsOrPrnAmt><sshPrnamt>81</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>81</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>LOW VOLITY ETF</titleOfClass>         <cusip>316092824</cusip>         <value>4258</value>         <shrsOrPrnAmt><sshPrnamt>65</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>65</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>DIVID ETF RISI</titleOfClass>         <cusip>316092832</cusip>         <value>4397</value>         <shrsOrPrnAmt><sshPrnamt>75</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>75</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>HIGH DIVID ETF</titleOfClass>         <cusip>316092840</cusip>         <value>45237</value>         <shrsOrPrnAmt><sshPrnamt>812</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>812</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>HIGH DIVID ETF</titleOfClass>         <cusip>316092840</cusip>         <value>162952</value>         <shrsOrPrnAmt><sshPrnamt>2925</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2925</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>MSCI UTILS INDEX</titleOfClass>         <cusip>316092865</cusip>         <value>169</value>         <shrsOrPrnAmt><sshPrnamt>3</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>3</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>ENHANCED LARGE</titleOfClass>         <cusip>31609A107</cusip>         <value>4258</value>         <shrsOrPrnAmt><sshPrnamt>127</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>127</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>ENHANCED SMALL</titleOfClass>         <cusip>31609A206</cusip>         <value>14870</value>         <shrsOrPrnAmt><sshPrnamt>407</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>407</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>ENHANCED LARGE</titleOfClass>         <cusip>31609A305</cusip>         <value>53168</value>         <shrsOrPrnAmt><sshPrnamt>1293</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1293</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>ENHANCED INTL</titleOfClass>         <cusip>31609A404</cusip>         <value>886163</value>         <shrsOrPrnAmt><sshPrnamt>25118</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>25118</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>         <titleOfClass>ENHANCED MID</titleOfClass>         <cusip>31609A503</cusip>         <value>6579</value>         <shrsOrPrnAmt><sshPrnamt>182</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>182</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY ETHEREUM FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>31613E103</cusip>         <value>274230</value>         <shrsOrPrnAmt><sshPrnamt>6600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>6600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>         <titleOfClass>TOTAL BD ETF</titleOfClass>         <cusip>316188309</cusip>         <value>166880</value>         <shrsOrPrnAmt><sshPrnamt>3609</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3609</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>         <titleOfClass>TOTAL BD ETF</titleOfClass>         <cusip>316188309</cusip>         <value>692478</value>         <shrsOrPrnAmt><sshPrnamt>14976</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>14976</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>         <titleOfClass>INVESTMENT GR BD</titleOfClass>         <cusip>316188606</cusip>         <value>49616</value>         <shrsOrPrnAmt><sshPrnamt>1141</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1141</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>         <titleOfClass>TACTICAL BOND</titleOfClass>         <cusip>316188879</cusip>         <value>15753</value>         <shrsOrPrnAmt><sshPrnamt>315</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>315</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>31620R303</cusip>         <value>1131586</value>         <shrsOrPrnAmt><sshPrnamt>18707</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>18707</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>31620R303</cusip>         <value>488578</value>         <shrsOrPrnAmt><sshPrnamt>8077</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4952</Sole>             <Shared>0</Shared>             <None>3125</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>31620R303</cusip>         <value>192479</value>         <shrsOrPrnAmt><sshPrnamt>3182</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3182</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>31620R303</cusip>         <value>175361</value>         <shrsOrPrnAmt><sshPrnamt>2899</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2899</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>31620R303</cusip>         <value>10269327</value>         <shrsOrPrnAmt><sshPrnamt>169769</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>169769</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>31620R303</cusip>         <value>2057</value>         <shrsOrPrnAmt><sshPrnamt>34</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>34</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31620M106</cusip>         <value>10331677</value>         <shrsOrPrnAmt><sshPrnamt>156683</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>156683</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31620M106</cusip>         <value>5243417</value>         <shrsOrPrnAmt><sshPrnamt>79518</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>71117</Sole>             <Shared>0</Shared>             <None>8401</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31620M106</cusip>         <value>23211</value>         <shrsOrPrnAmt><sshPrnamt>352</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>82</Sole>             <Shared>0</Shared>             <None>270</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31620M106</cusip>         <value>775850</value>         <shrsOrPrnAmt><sshPrnamt>11766</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11766</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31620M106</cusip>         <value>3386678</value>         <shrsOrPrnAmt><sshPrnamt>51360</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>51360</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31620M106</cusip>         <value>5803</value>         <shrsOrPrnAmt><sshPrnamt>88</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>88</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>31620M106</cusip>         <value>6635213</value>         <shrsOrPrnAmt><sshPrnamt>100625</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100625</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIDELITY WISE ORIGIN BITCOIN</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>315948109</cusip>         <value>6188</value>         <shrsOrPrnAmt><sshPrnamt>62</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         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HORIZON CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>320517105</cusip>         <value>33915</value>         <shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>32054K103</cusip>         <value>2469582</value>         <shrsOrPrnAmt><sshPrnamt>47981</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>47981</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>32054K103</cusip>         <value>250504</value>         <shrsOrPrnAmt><sshPrnamt>4867</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4373</Sole>             <Shared>0</Shared>             <None>494</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>32054K103</cusip>         <value>82815</value>         <shrsOrPrnAmt><sshPrnamt>1609</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1609</None></votingAuthority></infoTable>        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FD</nameOfIssuer>         <titleOfClass>NASDAQ CYB ETF</titleOfClass>         <cusip>33734X846</cusip>         <value>1064</value>         <shrsOrPrnAmt><sshPrnamt>14</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>14</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>NASDAQ CYB ETF</titleOfClass>         <cusip>33734X846</cusip>         <value>11402</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>NASDAQ CYB ETF</titleOfClass>         <cusip>33734X846</cusip>         <value>18698</value>         <shrsOrPrnAmt><sshPrnamt>246</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>246</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>NASDQ CLN EDGE</titleOfClass>         <cusip>33737A108</cusip>         <value>59677</value>         <shrsOrPrnAmt><sshPrnamt>395</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>395</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>NASDQ CLN EDGE</titleOfClass>         <cusip>33737A108</cusip>         <value>111195</value>         <shrsOrPrnAmt><sshPrnamt>736</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>736</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>MULTI ASSET DI</titleOfClass>         <cusip>33738R100</cusip>         <value>6416</value>         <shrsOrPrnAmt><sshPrnamt>400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>NASD TECH DIV</titleOfClass>         <cusip>33738R118</cusip>         <value>120773</value>         <shrsOrPrnAmt><sshPrnamt>1225</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1225</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>NASD TECH DIV</titleOfClass>         <cusip>33738R118</cusip>         <value>66055</value>         <shrsOrPrnAmt><sshPrnamt>670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>670</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>         <cusip>33738R506</cusip>         <value>69211</value>         <shrsOrPrnAmt><sshPrnamt>1029</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1029</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>         <cusip>33738R506</cusip>         <value>36455</value>         <shrsOrPrnAmt><sshPrnamt>542</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>542</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>         <cusip>33738R506</cusip>         <value>1402569</value>         <shrsOrPrnAmt><sshPrnamt>20853</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>20853</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>RBA INDL ETF</titleOfClass>         <cusip>33738R704</cusip>         <value>3190</value>         <shrsOrPrnAmt><sshPrnamt>33</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>33</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>RBA INDL ETF</titleOfClass>         <cusip>33738R704</cusip>         <value>112632</value>         <shrsOrPrnAmt><sshPrnamt>1165</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1165</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>RBA INDL ETF</titleOfClass>         <cusip>33738R704</cusip>         <value>6961</value>         <shrsOrPrnAmt><sshPrnamt>72</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>72</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>         <cusip>33738R720</cusip>         <value>10578</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>NASDQ PHRMTCLS</titleOfClass>         <cusip>33738R837</cusip>         <value>168011</value>         <shrsOrPrnAmt><sshPrnamt>5891</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5891</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>NASDQ PHRMTCLS</titleOfClass>         <cusip>33738R837</cusip>         <value>95057</value>         <shrsOrPrnAmt><sshPrnamt>3333</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3333</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>         <titleOfClass>DORSEY WRIGHT</titleOfClass>         <cusip>33738R886</cusip>         <value>1126</value>         <shrsOrPrnAmt><sshPrnamt>46</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>46</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>US EQTY OPPT ETF</titleOfClass>         <cusip>336920103</cusip>         <value>157852</value>         <shrsOrPrnAmt><sshPrnamt>950</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>950</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>COM SHS ANNUAL</titleOfClass>         <cusip>33718M105</cusip>         <value>11363</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>WTR ETF</titleOfClass>         <cusip>33733B100</cusip>         <value>117968</value>         <shrsOrPrnAmt><sshPrnamt>1050</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1050</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>WTR ETF</titleOfClass>         <cusip>33733B100</cusip>         <value>4316936</value>         <shrsOrPrnAmt><sshPrnamt>38424</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>38424</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>WTR ETF</titleOfClass>         <cusip>33733B100</cusip>         <value>366846</value>         <shrsOrPrnAmt><sshPrnamt>3265</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3265</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>WTR ETF</titleOfClass>         <cusip>33733B100</cusip>         <value>11235</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>CAP STRENGTH ETF</titleOfClass>         <cusip>33733E104</cusip>         <value>56465</value>         <shrsOrPrnAmt><sshPrnamt>603</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>603</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>NY ARCA BIOTECH</titleOfClass>         <cusip>33733E203</cusip>         <value>53787</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>NY ARCA BIOTECH</titleOfClass>         <cusip>33733E203</cusip>         <value>174808</value>         <shrsOrPrnAmt><sshPrnamt>975</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>975</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>NY ARCA BIOTECH</titleOfClass>         <cusip>33733E203</cusip>         <value>15598</value>         <shrsOrPrnAmt><sshPrnamt>87</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>87</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>DJ INTERNT IDX</titleOfClass>         <cusip>33733E302</cusip>         <value>257453</value>         <shrsOrPrnAmt><sshPrnamt>920</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>920</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>DJ INTERNT IDX</titleOfClass>         <cusip>33733E302</cusip>         <value>246539</value>         <shrsOrPrnAmt><sshPrnamt>881</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>881</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>DJ INTERNT IDX</titleOfClass>         <cusip>33733E302</cusip>         <value>51770</value>         <shrsOrPrnAmt><sshPrnamt>185</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>185</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>DJ INTERNT IDX</titleOfClass>         <cusip>33733E302</cusip>         <value>845397</value>         <shrsOrPrnAmt><sshPrnamt>3021</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>3021</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>         <cusip>33733E500</cusip>         <value>118411</value>         <shrsOrPrnAmt><sshPrnamt>2822</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2822</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>         <cusip>33733E500</cusip>         <value>1007</value>         <shrsOrPrnAmt><sshPrnamt>24</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>24</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>         <cusip>33733E500</cusip>         <value>14476</value>         <shrsOrPrnAmt><sshPrnamt>345</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>345</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>GROWTH STRENGTH</titleOfClass>         <cusip>33733E823</cusip>         <value>3591</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>337344105</cusip>         <value>18485</value>         <shrsOrPrnAmt><sshPrnamt>131</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>131</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>337345102</cusip>         <value>20665</value>         <shrsOrPrnAmt><sshPrnamt>90</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>90</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>337345102</cusip>         <value>459</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>337345102</cusip>         <value>183688</value>         <shrsOrPrnAmt><sshPrnamt>800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>800</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>33734H106</cusip>         <value>50355</value>         <shrsOrPrnAmt><sshPrnamt>1089</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1089</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>GBL WND ENRG ETF</titleOfClass>         <cusip>33736G106</cusip>         <value>5763</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>GBL WND ENRG ETF</titleOfClass>         <cusip>33736G106</cusip>         <value>12583</value>         <shrsOrPrnAmt><sshPrnamt>655</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>655</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>INDXX NEXTG ETF</titleOfClass>         <cusip>33737K205</cusip>         <value>6215</value>         <shrsOrPrnAmt><sshPrnamt>60</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>60</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>NO AMER ENERGY</titleOfClass>         <cusip>33738D101</cusip>         <value>289664</value>         <shrsOrPrnAmt><sshPrnamt>7565</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7565</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SENIOR LN FD</titleOfClass>         <cusip>33738D309</cusip>         <value>883749</value>         <shrsOrPrnAmt><sshPrnamt>19279</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>19279</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SENIOR LN FD</titleOfClass>         <cusip>33738D309</cusip>         <value>21273</value>         <shrsOrPrnAmt><sshPrnamt>464</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>464</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>FIRST TR TA HIYL</titleOfClass>         <cusip>33738D408</cusip>         <value>37340</value>         <shrsOrPrnAmt><sshPrnamt>888</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>888</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>FIRST TR TA HIYL</titleOfClass>         <cusip>33738D408</cusip>         <value>85073</value>         <shrsOrPrnAmt><sshPrnamt>2023</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2023</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>FST LOW OPPT EFT</titleOfClass>         <cusip>33739Q200</cusip>         <value>13642</value>         <shrsOrPrnAmt><sshPrnamt>274</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>274</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>FIRST TR ENH NEW</titleOfClass>         <cusip>33739Q408</cusip>         <value>20729</value>         <shrsOrPrnAmt><sshPrnamt>346</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>346</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>FIRST TR ENH NEW</titleOfClass>         <cusip>33739Q408</cusip>         <value>242564</value>         <shrsOrPrnAmt><sshPrnamt>4049</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4049</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>FIRST TR ENH NEW</titleOfClass>         <cusip>33739Q408</cusip>         <value>244133</value>         <shrsOrPrnAmt><sshPrnamt>4075</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4075</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>FT VEST S&amp;P 500</titleOfClass>         <cusip>33739Q705</cusip>         <value>24655</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SMID RISNG ETF</titleOfClass>         <cusip>33741X102</cusip>         <value>26120</value>         <shrsOrPrnAmt><sshPrnamt>687</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>687</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SMID RISNG ETF</titleOfClass>         <cusip>33741X102</cusip>         <value>45016</value>         <shrsOrPrnAmt><sshPrnamt>1184</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1184</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>SMID RISNG ETF</titleOfClass>         <cusip>33741X102</cusip>         <value>1120</value>         <shrsOrPrnAmt><sshPrnamt>29</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>29</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>         <titleOfClass>INDXX INOVTV ETF</titleOfClass>         <cusip>33741X201</cusip>         <value>2530</value>         <shrsOrPrnAmt><sshPrnamt>45</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>45</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>         <titleOfClass>FT VEST NAS</titleOfClass>         <cusip>33740F649</cusip>         <value>4668</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>         <titleOfClass>FT VEST LADDERED</titleOfClass>         <cusip>33740F755</cusip>         <value>140364</value>         <shrsOrPrnAmt><sshPrnamt>4200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>         <titleOfClass>FT VEST LADDERED</titleOfClass>         <cusip>33740F755</cusip>         <value>1338070</value>         <shrsOrPrnAmt><sshPrnamt>40038</sshPrnamt>             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<shrsOrPrnAmt><sshPrnamt>263</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>263</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>         <titleOfClass>SMITH UNCONSTRAI</titleOfClass>         <cusip>33740F888</cusip>         <value>54492</value>         <shrsOrPrnAmt><sshPrnamt>2163</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2163</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>         <titleOfClass>FT VEST LADDERED</titleOfClass>         <cusip>33740U703</cusip>         <value>4146</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>33768G107</cusip>         <value>440249</value>         <shrsOrPrnAmt><sshPrnamt>2779</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2779</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>33768G107</cusip>         <value>198025</value>         <shrsOrPrnAmt><sshPrnamt>1250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1099</Sole>             <Shared>0</Shared>             <None>151</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>33768G107</cusip>         <value>224956</value>         <shrsOrPrnAmt><sshPrnamt>1420</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1420</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>33768G107</cusip>         <value>992184</value>         <shrsOrPrnAmt><sshPrnamt>6263</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>6263</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>33768G107</cusip>         <value>25526</value>         <shrsOrPrnAmt><sshPrnamt>161</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>161</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>337932107</cusip>         <value>22564242</value>         <shrsOrPrnAmt><sshPrnamt>492454</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>492454</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>337932107</cusip>         <value>1113334</value>         <shrsOrPrnAmt><sshPrnamt>24298</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8051</Sole>             <Shared>0</Shared>             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         <Shared>0</Shared>             <None>136</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>337932107</cusip>         <value>688785</value>         <shrsOrPrnAmt><sshPrnamt>15032</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>15032</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>337932107</cusip>         <value>8163383</value>         <shrsOrPrnAmt><sshPrnamt>178162</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>178162</Sole>           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FINANCIAL INC</nameOfIssuer>         <titleOfClass>UNIT 05/07/2051</titleOfClass>         <cusip>64944P307</cusip>         <value>8131</value>         <shrsOrPrnAmt><sshPrnamt>204</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>204</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEX LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>Y2573F102</cusip>         <value>1551277</value>         <shrsOrPrnAmt><sshPrnamt>26760</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>26760</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEX LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>Y2573F102</cusip>         <value>169678</value>         <shrsOrPrnAmt><sshPrnamt>2927</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1226</Sole>             <Shared>0</Shared>             <None>1701</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEX LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>Y2573F102</cusip>         <value>754</value>         <shrsOrPrnAmt><sshPrnamt>13</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>13</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEX LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>Y2573F102</cusip>         <value>168055</value>         <shrsOrPrnAmt><sshPrnamt>2899</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2899</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEX LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>Y2573F102</cusip>         <value>1552900</value>         <shrsOrPrnAmt><sshPrnamt>26788</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>26788</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEX LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>Y2573F102</cusip>         <value>2261</value>         <shrsOrPrnAmt><sshPrnamt>39</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>39</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEX LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>Y2573F102</cusip>         <value>17391</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>300</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEX LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>Y2573F102</cusip>         <value>10457266</value>         <shrsOrPrnAmt><sshPrnamt>180391</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>180391</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEXSHARES TR</nameOfIssuer>         <titleOfClass>MORNSTAR USMKT</titleOfClass>         <cusip>33939L100</cusip>         <value>218546</value>         <shrsOrPrnAmt><sshPrnamt>902</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>902</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEXSHARES TR</nameOfIssuer>         <titleOfClass>MORNSTAR USMKT</titleOfClass>         <cusip>33939L100</cusip>         <value>254405</value>         <shrsOrPrnAmt><sshPrnamt>1050</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1050</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEXSHARES TR</nameOfIssuer>         <titleOfClass>MORNSTAR UPSTR</titleOfClass>         <cusip>33939L407</cusip>         <value>51967</value>         <shrsOrPrnAmt><sshPrnamt>1187</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1187</Sole>             <Shared>0</Shared>             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<otherManager>3</otherManager>         <votingAuthority><Sole>1427</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEXSHARES TR</nameOfIssuer>         <titleOfClass>HIG YLD VL ETF</titleOfClass>         <cusip>33939L662</cusip>         <value>30282</value>         <shrsOrPrnAmt><sshPrnamt>735</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>735</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEXSHARES TR</nameOfIssuer>         <titleOfClass>GLB QLT R/E IDX</titleOfClass>         <cusip>33939L787</cusip>         <value>29438</value>         <shrsOrPrnAmt><sshPrnamt>483</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5229</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEXSHARES TR</nameOfIssuer>         <titleOfClass>QLT DIV DEF IDX</titleOfClass>         <cusip>33939L845</cusip>         <value>206748</value>         <shrsOrPrnAmt><sshPrnamt>2585</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2585</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEXSHARES TR</nameOfIssuer>         <titleOfClass>QUALT DIVD IDX</titleOfClass>         <cusip>33939L860</cusip>         <value>815438</value>         <shrsOrPrnAmt><sshPrnamt>10270</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10270</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEXSHARES TR</nameOfIssuer>         <titleOfClass>FLEXSHARES ULTRA</titleOfClass>         <cusip>33939L886</cusip>         <value>15126</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLEXSHARES TR</nameOfIssuer>         <titleOfClass>FLEXSHARES ULTRA</titleOfClass>         <cusip>33939L886</cusip>         <value>23806</value>         <shrsOrPrnAmt><sshPrnamt>315</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>315</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>339750101</cusip>         <value>565574</value>         <shrsOrPrnAmt><sshPrnamt>7674</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7674</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>339750101</cusip>         <value>198032</value>         <shrsOrPrnAmt><sshPrnamt>2687</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1193</Sole>             <Shared>0</Shared>             <None>1494</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>339750101</cusip>         <value>50337</value>         <shrsOrPrnAmt><sshPrnamt>683</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>683</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>339750101</cusip>         <value>11350</value>         <shrsOrPrnAmt><sshPrnamt>154</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>154</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>339750101</cusip>         <value>272690</value>         <shrsOrPrnAmt><sshPrnamt>3700</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>3700</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>343498101</cusip>         <value>196455</value>         <shrsOrPrnAmt><sshPrnamt>15054</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>15054</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>343498101</cusip>         <value>41094</value>         <shrsOrPrnAmt><sshPrnamt>3149</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1836</Sole>             <Shared>0</Shared>             <None>1313</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>343498101</cusip>         <value>92679</value>         <shrsOrPrnAmt><sshPrnamt>7102</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7102</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>343498101</cusip>         <value>2558</value>         <shrsOrPrnAmt><sshPrnamt>196</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>196</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34354P105</cusip>         <value>496700</value>         <shrsOrPrnAmt><sshPrnamt>9347</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>9347</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34354P105</cusip>         <value>107396</value>         <shrsOrPrnAmt><sshPrnamt>2021</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1082</Sole>             <Shared>0</Shared>             <None>939</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34354P105</cusip>         <value>478</value>         <shrsOrPrnAmt><sshPrnamt>9</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>9</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34354P105</cusip>         <value>279251</value>         <shrsOrPrnAmt><sshPrnamt>5255</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5255</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34354P105</cusip>         <value>3533013</value>         <shrsOrPrnAmt><sshPrnamt>66485</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>66485</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUOR CORP</nameOfIssuer>         <titleOfClass>NOTE  1.125% 8/1</titleOfClass>         <cusip>343412AJ1</cusip>         <value>39128</value>         <shrsOrPrnAmt><sshPrnamt>33000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>33000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUOR CORP</nameOfIssuer>         <titleOfClass>NOTE  1.125% 8/1</titleOfClass>         <cusip>343412AJ1</cusip>         <value>21935450</value>         <shrsOrPrnAmt><sshPrnamt>18500000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>18500000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>343412102</cusip>         <value>484773</value>         <shrsOrPrnAmt><sshPrnamt>11523</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11523</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>343412102</cusip>         <value>925582</value>         <shrsOrPrnAmt><sshPrnamt>22001</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>17933</Sole>             <Shared>0</Shared>             <None>4068</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>343412102</cusip>         <value>310266</value>         <shrsOrPrnAmt><sshPrnamt>7375</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7375</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>343412102</cusip>         <value>323771</value>         <shrsOrPrnAmt><sshPrnamt>7696</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7696</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>343412102</cusip>         <value>25632494</value>         <shrsOrPrnAmt><sshPrnamt>609282</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>609282</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3643J108</cusip>         <value>43456606</value>         <shrsOrPrnAmt><sshPrnamt>171089</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>171089</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3643J108</cusip>         <value>33020</value>         <shrsOrPrnAmt><sshPrnamt>130</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>125</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3643J108</cusip>         <value>9443974</value>         <shrsOrPrnAmt><sshPrnamt>37181</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>37181</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3643J108</cusip>         <value>388874</value>         <shrsOrPrnAmt><sshPrnamt>1531</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1531</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3643J108</cusip>         <value>857758</value>         <shrsOrPrnAmt><sshPrnamt>3377</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3377</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3643J108</cusip>         <value>2993390</value>         <shrsOrPrnAmt><sshPrnamt>11785</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11785</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3643J108</cusip>         <value>16002</value>         <shrsOrPrnAmt><sshPrnamt>63</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>63</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FMC CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>302491303</cusip>         <value>287368</value>         <shrsOrPrnAmt><sshPrnamt>8545</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8545</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FMC CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>302491303</cusip>         <value>30132</value>         <shrsOrPrnAmt><sshPrnamt>896</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>433</Sole>             <Shared>0</Shared>             <None>463</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FMC CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>302491303</cusip>         <value>173665</value>         <shrsOrPrnAmt><sshPrnamt>5164</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5164</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FMC CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>302491303</cusip>         <value>3503641</value>         <shrsOrPrnAmt><sshPrnamt>104182</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>104182</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FMC CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>302491303</cusip>         <value>404</value>         <shrsOrPrnAmt><sshPrnamt>12</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>12</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOMENTO ECONOMICO MEXICANO S</nameOfIssuer>         <titleOfClass>SPON ADR UNITS</titleOfClass>         <cusip>344419106</cusip>         <value>2663</value>         <shrsOrPrnAmt><sshPrnamt>27</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>27</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOMENTO ECONOMICO MEXICANO S</nameOfIssuer>         <titleOfClass>SPON ADR UNITS</titleOfClass>         <cusip>344419106</cusip>         <value>188383</value>         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STOCK</titleOfClass>         <cusip>34965K107</cusip>         <value>67</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNA MNG CORP</nameOfIssuer>         <titleOfClass>NOTE  3.750% 6/3</titleOfClass>         <cusip>349915AE8</cusip>         <value>2640024</value>         <shrsOrPrnAmt><sshPrnamt>1665000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>1665000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNA MNG CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>349942102</cusip>         <value>14998306</value>         <shrsOrPrnAmt><sshPrnamt>1675584</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1675584</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNA MNG CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>349942102</cusip>         <value>1463315</value>         <shrsOrPrnAmt><sshPrnamt>163479</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>163479</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNA MNG CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>349942102</cusip>         <value>109481</value>         <shrsOrPrnAmt><sshPrnamt>12231</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>12231</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNA MNG CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>349942102</cusip>         <value>20341356</value>         <shrsOrPrnAmt><sshPrnamt>2272500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>2272500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34964C106</cusip>         <value>458994</value>         <shrsOrPrnAmt><sshPrnamt>8597</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8597</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34964C106</cusip>         <value>39402</value>         <shrsOrPrnAmt><sshPrnamt>738</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>43</Sole>             <Shared>0</Shared>             <None>695</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34964C106</cusip>         <value>149652</value>         <shrsOrPrnAmt><sshPrnamt>2803</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2803</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34964C106</cusip>         <value>60704</value>         <shrsOrPrnAmt><sshPrnamt>1137</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1137</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34964C106</cusip>         <value>14293</value>         <shrsOrPrnAmt><sshPrnamt>268</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>268</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>34964C106</cusip>         <value>53704</value>         <shrsOrPrnAmt><sshPrnamt>1006</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1006</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOUR CORNERS PPTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>35086T109</cusip>         <value>151036</value>         <shrsOrPrnAmt><sshPrnamt>6190</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6190</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOUR CORNERS PPTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>35086T109</cusip>         <value>38869</value>         <shrsOrPrnAmt><sshPrnamt>1593</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1165</Sole>             <Shared>0</Shared>             <None>428</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOUR CORNERS PPTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>35086T109</cusip>         <value>22863</value>         <shrsOrPrnAmt><sshPrnamt>937</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>937</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOX CORP</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>35137L105</cusip>         <value>4255730</value>         <shrsOrPrnAmt><sshPrnamt>67487</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>67487</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOX CORP</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>35137L105</cusip>         <value>292914</value>         <shrsOrPrnAmt><sshPrnamt>4645</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1602</Sole>             <Shared>0</Shared>             <None>3043</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOX CORP</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>35137L105</cusip>         <value>4036</value>         <shrsOrPrnAmt><sshPrnamt>64</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>34</Sole>             <Shared>0</Shared>             <None>30</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOX CORP</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>35137L105</cusip>         <value>392044</value>         <shrsOrPrnAmt><sshPrnamt>6217</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6217</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOX CORP</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>35137L105</cusip>         <value>5486</value>         <shrsOrPrnAmt><sshPrnamt>87</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>87</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOX CORP</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>35137L105</cusip>         <value>2537976</value>         <shrsOrPrnAmt><sshPrnamt>40247</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>40247</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOX CORP</nameOfIssuer>         <titleOfClass>CL B COM</titleOfClass>         <cusip>35137L204</cusip>         <value>3139148</value>         <shrsOrPrnAmt><sshPrnamt>54794</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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        <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>60</Sole>             <Shared>0</Shared>             <None>132</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOX CORP</nameOfIssuer>         <titleOfClass>CL B COM</titleOfClass>         <cusip>35137L204</cusip>         <value>143798</value>         <shrsOrPrnAmt><sshPrnamt>2510</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2510</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FOX CORP</nameOfIssuer>         <titleOfClass>CL B COM</titleOfClass>         <cusip>35137L204</cusip>         <value>4182</value>         <shrsOrPrnAmt><sshPrnamt>73</sshPrnamt>             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    <shrsOrPrnAmt><sshPrnamt>702383</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>702383</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FRANCO NEV CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>351858105</cusip>         <value>180785677</value>         <shrsOrPrnAmt><sshPrnamt>812394</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>812394</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FRANCO NEV CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>351858105</cusip>         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<cusip>351858105</cusip>         <value>88782579</value>         <shrsOrPrnAmt><sshPrnamt>398961</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>398961</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FRANKLIN ELEC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>353514102</cusip>         <value>212391</value>         <shrsOrPrnAmt><sshPrnamt>2231</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2231</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FRANKLIN ELEC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>353514102</cusip>         <value>244283</value>         <shrsOrPrnAmt><sshPrnamt>2566</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2519</Sole>             <Shared>0</Shared>             <None>47</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FRANKLIN ELEC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>353514102</cusip>         <value>523981</value>         <shrsOrPrnAmt><sshPrnamt>5504</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5504</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FRANKLIN ELEC INC</nameOfIssuer>         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COMMUNICATIONS PARE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>35909D109</cusip>         <value>357664</value>         <shrsOrPrnAmt><sshPrnamt>9576</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9576</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FRONTIER COMMUNICATIONS PARE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>35909D109</cusip>         <value>3063</value>         <shrsOrPrnAmt><sshPrnamt>82</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>82</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FRONTLINE PLC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>M46528101</cusip>         <value>143509</value>         <shrsOrPrnAmt><sshPrnamt>6297</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6297</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FRONTLINE PLC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>M46528101</cusip>         <value>1516811</value>         <shrsOrPrnAmt><sshPrnamt>66556</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>66556</Sole>             <Shared>0</Shared>             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     <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>302635206</cusip>         <value>455365</value>         <shrsOrPrnAmt><sshPrnamt>30500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>30500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>302635206</cusip>         <value>4479</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             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<votingAuthority><Sole>883</Sole>             <Shared>0</Shared>             <None>71</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3730V105</cusip>         <value>92607</value>         <shrsOrPrnAmt><sshPrnamt>555</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>555</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G3730V105</cusip>         <value>54563</value>         <shrsOrPrnAmt><sshPrnamt>327</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>327</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FTI CONSULTING INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>302941109</cusip>         <value>366461</value>         <shrsOrPrnAmt><sshPrnamt>2267</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2267</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>FTI CONSULTING INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>302941109</cusip>         <value>252012</value>         <shrsOrPrnAmt><sshPrnamt>1559</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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WILLI FOOD INTL LTD</nameOfIssuer>         <titleOfClass>ORD</titleOfClass>         <cusip>M52523103</cusip>         <value>202200</value>         <shrsOrPrnAmt><sshPrnamt>10000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>10000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GALAXY DIGITAL INC.</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>36317J209</cusip>         <value>169050</value>         <shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        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            <None>91</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>37940X102</cusip>         <value>433096</value>         <shrsOrPrnAmt><sshPrnamt>5213</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5213</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>37940X102</cusip>         <value>7636547</value>         <shrsOrPrnAmt><sshPrnamt>91918</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>91918</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>37940X102</cusip>         <value>379509</value>         <shrsOrPrnAmt><sshPrnamt>4568</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>4568</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>37940X102</cusip>         <value>7332</value>         <shrsOrPrnAmt><sshPrnamt>88</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>88</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>37940X102</cusip>         <value>2588174</value>         <shrsOrPrnAmt><sshPrnamt>31153</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>30950</Sole>             <Shared>0</Shared>             <None>203</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>37940X102</cusip>         <value>52120736</value>         <shrsOrPrnAmt><sshPrnamt>627356</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>627356</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>GBL X FTSE ETF</titleOfClass>         <cusip>37950E648</cusip>         <value>5472</value>         <shrsOrPrnAmt><sshPrnamt>320</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>320</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>DATA CTR &amp; DIGIT</titleOfClass>         <cusip>37954Y236</cusip>         <value>242790</value>         <shrsOrPrnAmt><sshPrnamt>11855</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         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<otherManager>8</otherManager>         <votingAuthority><Sole>23922</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>GLBL X MLP ETF</titleOfClass>         <cusip>37954Y343</cusip>         <value>5617</value>         <shrsOrPrnAmt><sshPrnamt>116</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>116</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>CYBRSCURTY ETF</titleOfClass>         <cusip>37954Y384</cusip>         <value>22874</value>         <shrsOrPrnAmt><sshPrnamt>650</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 COVERED</titleOfClass>         <cusip>37954Y475</cusip>         <value>29524</value>         <shrsOrPrnAmt><sshPrnamt>752</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>752</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 COVERED</titleOfClass>         <cusip>37954Y475</cusip>         <value>270894</value>         <shrsOrPrnAmt><sshPrnamt>6900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6900</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 COVERED</titleOfClass>         <cusip>37954Y475</cusip>         <value>1133</value>         <shrsOrPrnAmt><sshPrnamt>29</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>29</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>NASDAQ 100 COVER</titleOfClass>         <cusip>37954Y483</cusip>         <value>34020</value>         <shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2000</Sole>             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<votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2295</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>NASDAQ 100 COVER</titleOfClass>         <cusip>37954Y483</cusip>         <value>19362</value>         <shrsOrPrnAmt><sshPrnamt>1138</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1138</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>DAX GERMANY ETF</titleOfClass>         <cusip>37954Y491</cusip>         <value>351377</value>         <shrsOrPrnAmt><sshPrnamt>7852</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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<titleOfClass>ARTIFICIAL ETF</titleOfClass>         <cusip>37954Y632</cusip>         <value>156369</value>         <shrsOrPrnAmt><sshPrnamt>3166</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>3166</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL X FDS</nameOfIssuer>         <titleOfClass>ARTIFICIAL ETF</titleOfClass>         <cusip>37954Y632</cusip>         <value>101250</value>         <shrsOrPrnAmt><sshPrnamt>2050</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2050</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBAL 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<infoTable><nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>37959E102</cusip>         <value>616487</value>         <shrsOrPrnAmt><sshPrnamt>4312</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4312</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>37959E102</cusip>         <value>32168</value>         <shrsOrPrnAmt><sshPrnamt>225</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>225</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable> 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<cusip>390607109</cusip>         <value>528</value>         <shrsOrPrnAmt><sshPrnamt>44</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>44</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GREEN PLAINS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>393222104</cusip>         <value>110842</value>         <shrsOrPrnAmt><sshPrnamt>12610</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>12610</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GREEN PLAINS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>393222104</cusip>         <value>4835</value>         <shrsOrPrnAmt><sshPrnamt>550</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>550</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GREEN PLAINS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>393222104</cusip>         <value>976</value>         <shrsOrPrnAmt><sshPrnamt>111</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>111</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GREEN PLAINS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>393222104</cusip>         <value>482975</value>         <shrsOrPrnAmt><sshPrnamt>54946</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>54946</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GREEN PLAINS INC</nameOfIssuer>         <titleOfClass>NOTE  2.250% 3/1</titleOfClass>         <cusip>393222AK0</cusip>         <value>4776500</value>         <shrsOrPrnAmt><sshPrnamt>5000000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>5000000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GREENBRIER COS INC</nameOfIssuer>         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INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>393657101</cusip>         <value>23501</value>         <shrsOrPrnAmt><sshPrnamt>509</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>509</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GREENBRIER COS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>393657101</cusip>         <value>673159</value>         <shrsOrPrnAmt><sshPrnamt>14580</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>14580</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GREENFIRE RES LTD NEW</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>39525U107</cusip>         <value>1760553</value>         <shrsOrPrnAmt><sshPrnamt>381072</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>381072</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GREIF INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>397624107</cusip>         <value>116114</value>         <shrsOrPrnAmt><sshPrnamt>1943</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1943</Sole>             <Shared>0</Shared>             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           <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRID DYNAMICS HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>39813G109</cusip>         <value>52675</value>         <shrsOrPrnAmt><sshPrnamt>6832</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4649</Sole>             <Shared>0</Shared>             <None>2183</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRID DYNAMICS HLDGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>39813G109</cusip>         <value>30285</value>         <shrsOrPrnAmt><sshPrnamt>3928</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3928</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRIFFON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>398433102</cusip>         <value>176059</value>         <shrsOrPrnAmt><sshPrnamt>2312</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2312</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRIFFON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>398433102</cusip>         <value>56275</value>         <shrsOrPrnAmt><sshPrnamt>739</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>644</Sole>             <Shared>0</Shared>             <None>95</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRIFFON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>398433102</cusip>         <value>30612</value>         <shrsOrPrnAmt><sshPrnamt>402</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>402</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRIFFON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>398433102</cusip>         <value>23835</value>         <shrsOrPrnAmt><sshPrnamt>313</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>313</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRIFOLS S A</nameOfIssuer>         <titleOfClass>SP ADR REP B NVT</titleOfClass>         <cusip>398438408</cusip>         <value>10179</value>         <shrsOrPrnAmt><sshPrnamt>1022</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>81</Sole>             <Shared>0</Shared>             <None>941</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRIFOLS S A</nameOfIssuer>         <titleOfClass>SP ADR REP B NVT</titleOfClass>         <cusip>398438408</cusip>         <value>53694</value>         <shrsOrPrnAmt><sshPrnamt>5391</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         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         <votingAuthority><Sole>2900000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GROUP 1 AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>398905109</cusip>         <value>331195</value>         <shrsOrPrnAmt><sshPrnamt>757</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>757</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GROUP 1 AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>398905109</cusip>         <value>66939</value>         <shrsOrPrnAmt><sshPrnamt>153</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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<shrsOrPrnAmt><sshPrnamt>13582</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>13582</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRUPO AEROPUERTO DEL PACIFIC</nameOfIssuer>         <titleOfClass>SPON ADS B</titleOfClass>         <cusip>400506101</cusip>         <value>1898</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GRUPO AEROPUERTO DEL PACIFIC</nameOfIssuer>         <titleOfClass>SPON ADS B</titleOfClass>         <cusip>400506101</cusip>         <value>4981</value>         <shrsOrPrnAmt><sshPrnamt>21</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>21</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GSK PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>37733W204</cusip>         <value>751027</value>         <shrsOrPrnAmt><sshPrnamt>17401</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>14798</Sole>             <Shared>0</Shared>             <None>2603</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GSK PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>37733W204</cusip>         <value>105209319</value>         <shrsOrPrnAmt><sshPrnamt>2437658</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>2437658</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GSK PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>37733W204</cusip>         <value>49073</value>         <shrsOrPrnAmt><sshPrnamt>1137</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1137</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GSK PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>37733W204</cusip>         <value>329224</value>         <shrsOrPrnAmt><sshPrnamt>7628</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7628</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GSK PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>37733W204</cusip>         <value>13448785</value>         <shrsOrPrnAmt><sshPrnamt>311603</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>311603</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GSK PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>37733W204</cusip>         <value>3248481</value>         <shrsOrPrnAmt><sshPrnamt>75266</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>75266</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GSK PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>37733W204</cusip>         <value>17264</value>         <shrsOrPrnAmt><sshPrnamt>400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>400</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GSK PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>37733W204</cusip>         <value>26328</value>         <shrsOrPrnAmt><sshPrnamt>610</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>610</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GT BIOPHARMA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>36254L308</cusip>         <value>54593</value>         <shrsOrPrnAmt><sshPrnamt>92530</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>92530</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUARDANT HEALTH INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40131M109</cusip>         <value>96157</value>         <shrsOrPrnAmt><sshPrnamt>1539</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1482</Sole>             <Shared>0</Shared>             <None>57</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUARDANT HEALTH INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40131M109</cusip>         <value>350888</value>         <shrsOrPrnAmt><sshPrnamt>5616</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5616</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUARDANT HEALTH INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40131M109</cusip>         <value>63730</value>         <shrsOrPrnAmt><sshPrnamt>1020</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1020</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUARDANT HEALTH INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40131M109</cusip>         <value>1937</value>         <shrsOrPrnAmt><sshPrnamt>31</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>31</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUESS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>401617105</cusip>         <value>26151</value>         <shrsOrPrnAmt><sshPrnamt>1565</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1565</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUESS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>401617105</cusip>         <value>1086</value>         <shrsOrPrnAmt><sshPrnamt>65</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>17</Sole>             <Shared>0</Shared>             <None>48</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUESS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>401617105</cusip>         <value>21021</value>         <shrsOrPrnAmt><sshPrnamt>1258</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1258</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUESS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>401617105</cusip>         <value>14954514</value>         <shrsOrPrnAmt><sshPrnamt>894944</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>894944</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40171V100</cusip>         <value>1379160</value>         <shrsOrPrnAmt><sshPrnamt>6000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40171V100</cusip>         <value>254455</value>         <shrsOrPrnAmt><sshPrnamt>1107</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>517</Sole>             <Shared>0</Shared>             <None>590</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40171V100</cusip>         <value>460</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40171V100</cusip>         <value>882433</value>         <shrsOrPrnAmt><sshPrnamt>3839</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3839</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40171V100</cusip>         <value>2094254</value>         <shrsOrPrnAmt><sshPrnamt>9111</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>9111</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40171V100</cusip>         <value>23526171</value>         <shrsOrPrnAmt><sshPrnamt>102350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>102350</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GXO LOGISTICS INCORPORATED</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>36262G101</cusip>         <value>431688</value>         <shrsOrPrnAmt><sshPrnamt>8162</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8162</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GXO LOGISTICS INCORPORATED</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>36262G101</cusip>         <value>138096</value>         <shrsOrPrnAmt><sshPrnamt>2611</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2033</Sole>             <Shared>0</Shared>             <None>578</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GXO LOGISTICS INCORPORATED</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>36262G101</cusip>         <value>582</value>         <shrsOrPrnAmt><sshPrnamt>11</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>11</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GXO LOGISTICS INCORPORATED</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>36262G101</cusip>         <value>232928</value>         <shrsOrPrnAmt><sshPrnamt>4404</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4404</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>GXO LOGISTICS INCORPORATED</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>36262G101</cusip>         <value>28666</value>         <shrsOrPrnAmt><sshPrnamt>542</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>542</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>H WORLD GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>44332N106</cusip>         <value>979158</value>         <shrsOrPrnAmt><sshPrnamt>25036</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>25036</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>H WORLD GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>44332N106</cusip>         <value>7509</value>         <shrsOrPrnAmt><sshPrnamt>192</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>99</Sole>             <Shared>0</Shared>             <None>93</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>H WORLD GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>44332N106</cusip>         <value>18773</value>         <shrsOrPrnAmt><sshPrnamt>480</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>480</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>H WORLD GROUP LTD</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>44332N106</cusip>         <value>235</value>         <shrsOrPrnAmt><sshPrnamt>6</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>6</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>H2O AMERICA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>784305104</cusip>         <value>623263</value>         <shrsOrPrnAmt><sshPrnamt>12798</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>12798</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>H2O AMERICA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>784305104</cusip>         <value>2435</value>         <shrsOrPrnAmt><sshPrnamt>50</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6</Sole>             <Shared>0</Shared>             <None>44</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>H2O AMERICA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>784305104</cusip>         <value>10130</value>         <shrsOrPrnAmt><sshPrnamt>208</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>208</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HA SUSTAINABLE INFRA CAP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>41068X100</cusip>         <value>228930</value>         <shrsOrPrnAmt><sshPrnamt>7457</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7457</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HA SUSTAINABLE INFRA CAP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>41068X100</cusip>         <value>40002</value>         <shrsOrPrnAmt><sshPrnamt>1303</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1194</Sole>             <Shared>0</Shared>             <None>109</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HA SUSTAINABLE INFRA CAP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>41068X100</cusip>         <value>11144</value>         <shrsOrPrnAmt><sshPrnamt>363</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>363</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HA SUSTAINABLE INFRA CAP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>41068X100</cusip>         <value>12219</value>         <shrsOrPrnAmt><sshPrnamt>398</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>398</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HAEMONETICS CORP MASS</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>405024100</cusip>         <value>167276</value>         <shrsOrPrnAmt><sshPrnamt>3432</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3432</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HAEMONETICS CORP MASS</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>405024100</cusip>         <value>26417</value>         <shrsOrPrnAmt><sshPrnamt>542</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>459</Sole>             <Shared>0</Shared>             <None>83</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HAEMONETICS CORP MASS</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>405024100</cusip>         <value>12234</value>         <shrsOrPrnAmt><sshPrnamt>251</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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<cusip>443201108</cusip>         <value>2594161</value>         <shrsOrPrnAmt><sshPrnamt>13220</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4943</Sole>             <Shared>0</Shared>             <None>8277</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>443201108</cusip>         <value>94583</value>         <shrsOrPrnAmt><sshPrnamt>482</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>104</Sole>             <Shared>0</Shared>             <None>378</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>443201108</cusip>         <value>5489338</value>         <shrsOrPrnAmt><sshPrnamt>27974</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>27974</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>443201108</cusip>         <value>25732032</value>         <shrsOrPrnAmt><sshPrnamt>131132</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>131132</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>443201108</cusip>         <value>28846</value>         <shrsOrPrnAmt><sshPrnamt>147</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>147</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>443201108</cusip>         <value>14521</value>         <shrsOrPrnAmt><sshPrnamt>74</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>74</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>443201108</cusip>         <value>14732556</value>         <shrsOrPrnAmt><sshPrnamt>75078</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>75078</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40434L105</cusip>         <value>11400357</value>         <shrsOrPrnAmt><sshPrnamt>418669</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>418669</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40434L105</cusip>         <value>2992958</value>         <shrsOrPrnAmt><sshPrnamt>109914</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>66335</Sole>             <Shared>8000</Shared>             <None>35579</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40434L105</cusip>         <value>971022</value>         <shrsOrPrnAmt><sshPrnamt>35660</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>35660</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40434L105</cusip>         <value>311130</value>         <shrsOrPrnAmt><sshPrnamt>11426</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11426</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40434L105</cusip>         <value>25406</value>         <shrsOrPrnAmt><sshPrnamt>933</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>933</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40434L105</cusip>         <value>20232</value>         <shrsOrPrnAmt><sshPrnamt>743</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>743</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>40434L105</cusip>         <value>4898187</value>         <shrsOrPrnAmt><sshPrnamt>179882</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>179882</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HSBC HLDGS PLC</nameOfIssuer>         <titleOfClass>SPON ADR NEW</titleOfClass>         <cusip>404280406</cusip>         <value>530008</value>         <shrsOrPrnAmt><sshPrnamt>7467</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2793</Sole>             <Shared>0</Shared>             <None>4674</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HSBC HLDGS PLC</nameOfIssuer>         <titleOfClass>SPON ADR NEW</titleOfClass>         <cusip>404280406</cusip>         <value>11263106</value>         <shrsOrPrnAmt><sshPrnamt>158680</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>158680</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>  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<shrsOrPrnAmt><sshPrnamt>1085</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1085</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HYATT HOTELS CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>448579102</cusip>         <value>4102345</value>         <shrsOrPrnAmt><sshPrnamt>28904</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>28904</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HYATT HOTELS CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>448579102</cusip>         <value>4527993</value>         <shrsOrPrnAmt><sshPrnamt>31903</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>31903</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HYATT HOTELS CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>448579102</cusip>         <value>14193</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HYCROFT MINING HOLDING CORP</nameOfIssuer>         <titleOfClass>CL A NEW</titleOfClass>         <cusip>44862P208</cusip>         <value>173116</value>         <shrsOrPrnAmt><sshPrnamt>27922</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>27922</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>HYCROFT MINING HOLDING CORP</nameOfIssuer>         <titleOfClass>CL A NEW</titleOfClass>         <cusip>44862P208</cusip>         <value>12</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>I-80 GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>44955L106</cusip>         <value>772354</value>         <shrsOrPrnAmt><sshPrnamt>808364</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>808364</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>I-80 GOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>44955L106</cusip>         <value>22631</value>         <shrsOrPrnAmt><sshPrnamt>23686</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>23686</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>I3 VERTICALS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>46571Y107</cusip>         <value>8342</value>         <shrsOrPrnAmt><sshPrnamt>257</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>257</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>I3 VERTICALS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>46571Y107</cusip>         <value>26098</value>         <shrsOrPrnAmt><sshPrnamt>804</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>804</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>I3 VERTICALS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>46571Y107</cusip>         <value>13009578</value>         <shrsOrPrnAmt><sshPrnamt>400788</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>400788</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IAC INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>44891N208</cusip>         <value>131510</value>         <shrsOrPrnAmt><sshPrnamt>3860</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3860</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IAC INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>44891N208</cusip>         <value>71513</value>         <shrsOrPrnAmt><sshPrnamt>2099</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1922</Sole>             <Shared>0</Shared>             <None>177</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IAC INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>44891N208</cusip>         <value>45620</value>         <shrsOrPrnAmt><sshPrnamt>1339</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1339</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IAC INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>44891N208</cusip>         <value>238</value>         <shrsOrPrnAmt><sshPrnamt>7</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>7</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IAMGOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>450913108</cusip>         <value>37098145</value>         <shrsOrPrnAmt><sshPrnamt>2872133</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2872133</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IAMGOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>450913108</cusip>         <value>1291658</value>         <shrsOrPrnAmt><sshPrnamt>100000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>100000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IAMGOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>450913108</cusip>         <value>1835563</value>         <shrsOrPrnAmt><sshPrnamt>142109</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>142109</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IAMGOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>450913108</cusip>         <value>3659242</value>         <shrsOrPrnAmt><sshPrnamt>283298</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>283298</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IAMGOLD CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>450913108</cusip>         <value>387497</value>         <shrsOrPrnAmt><sshPrnamt>30000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>30000</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICICI BANK LIMITED</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>45104G104</cusip>         <value>135914</value>         <shrsOrPrnAmt><sshPrnamt>4496</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2383</Sole>             <Shared>0</Shared>             <None>2113</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICICI BANK LIMITED</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>45104G104</cusip>         <value>73852</value>         <shrsOrPrnAmt><sshPrnamt>2443</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             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<votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICICI BANK LIMITED</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>45104G104</cusip>         <value>43663577</value>         <shrsOrPrnAmt><sshPrnamt>1444379</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1444379</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICON PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G4705A100</cusip>         <value>2638650</value>         <shrsOrPrnAmt><sshPrnamt>15078</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>14939</Sole>             <Shared>0</Shared>             <None>139</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICON PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G4705A100</cusip>         <value>33950</value>         <shrsOrPrnAmt><sshPrnamt>194</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>194</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICON PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G4705A100</cusip>         <value>11156775</value>         <shrsOrPrnAmt><sshPrnamt>63753</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>63753</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICON PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G4705A100</cusip>         <value>2800</value>         <shrsOrPrnAmt><sshPrnamt>16</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>16</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICON PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G4705A100</cusip>         <value>26250</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>150</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICU MED INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>44930G107</cusip>         <value>169024</value>         <shrsOrPrnAmt><sshPrnamt>1409</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1409</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ICU MED INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>44930G107</cusip>         <value>129677</value>         <shrsOrPrnAmt><sshPrnamt>1081</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>       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<votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>171</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IDACORP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>451107106</cusip>         <value>510231</value>         <shrsOrPrnAmt><sshPrnamt>3861</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3861</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IDACORP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>451107106</cusip>         <value>146951</value>         <shrsOrPrnAmt><sshPrnamt>1112</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>928</Sole>             <Shared>0</Shared>             <None>184</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IDACORP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>451107106</cusip>         <value>452746</value>         <shrsOrPrnAmt><sshPrnamt>3426</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3426</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IDACORP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>451107106</cusip>         <value>433981</value>         <shrsOrPrnAmt><sshPrnamt>3284</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3284</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IDACORP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>451107106</cusip>         <value>771360</value>         <shrsOrPrnAmt><sshPrnamt>5837</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>5837</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>IDEX CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45167R104</cusip>         <value>67322904</value>         <shrsOrPrnAmt><sshPrnamt>22584</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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       <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>954</Sole>             <Shared>0</Shared>             <None>5579</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INCYTE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45337C102</cusip>         <value>1018</value>         <shrsOrPrnAmt><sshPrnamt>12</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>12</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INCYTE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45337C102</cusip>         <value>724701</value>         <shrsOrPrnAmt><sshPrnamt>8545</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>   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<value>3330184</value>         <shrsOrPrnAmt><sshPrnamt>27272</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>27272</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INGREDION INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>457187102</cusip>         <value>6106</value>         <shrsOrPrnAmt><sshPrnamt>50</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>50</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>EMRGNG MKT APRIL</titleOfClass>         <cusip>45782C359</cusip>         <value>29160</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>INTRNL DEV APRL</titleOfClass>         <cusip>45782C367</cusip>         <value>15035</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>US EQTY PWR BUF</titleOfClass>         <cusip>45782C383</cusip>         <value>23843</value>         <shrsOrPrnAmt><sshPrnamt>543</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>543</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>US EQTY PWR BUF</titleOfClass>         <cusip>45782C417</cusip>         <value>19845</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>US EQTY PWR BUF</titleOfClass>         <cusip>45782C417</cusip>         <value>6985</value>         <shrsOrPrnAmt><sshPrnamt>176</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>176</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>US SML CP PWR B</titleOfClass>         <cusip>45782C474</cusip>         <value>20180</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             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         <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>US EQTY PWR BUF</titleOfClass>         <cusip>45782C656</cusip>         <value>26758</value>         <shrsOrPrnAmt><sshPrnamt>623</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>623</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>US EQTY PWR BUF</titleOfClass>         <cusip>45782C748</cusip>         <value>77485</value>         <shrsOrPrnAmt><sshPrnamt>1883</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1883</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>US EQT PWR BUF</titleOfClass>         <cusip>45782C870</cusip>         <value>11124</value>         <shrsOrPrnAmt><sshPrnamt>290</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>290</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>EQUITY DEF PROTN</titleOfClass>         <cusip>45783Y541</cusip>         <value>43935</value>         <shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>US EQT ACC 9 BFR</titleOfClass>         <cusip>45783Y780</cusip>         <value>31290</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVATOR ETFS TRUST</nameOfIssuer>         <titleOfClass>US EQTY ACCELRT9</titleOfClass>         <cusip>45783Y848</cusip>         <value>62320</value>         <shrsOrPrnAmt><sshPrnamt>1900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVIVA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45781M101</cusip>         <value>57269</value>         <shrsOrPrnAmt><sshPrnamt>3138</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3138</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVIVA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45781M101</cusip>         <value>33909</value>         <shrsOrPrnAmt><sshPrnamt>1858</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1586</Sole>             <Shared>0</Shared>             <None>272</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVIVA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45781M101</cusip>         <value>164360</value>         <shrsOrPrnAmt><sshPrnamt>9006</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9006</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INNOVIVA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45781M101</cusip>         <value>3650</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INOVIO PHARMACEUTICALS INC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>45773H409</cusip>         <value>39307</value>         <shrsOrPrnAmt><sshPrnamt>16798</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>16798</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INOVIO PHARMACEUTICALS INC</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>45773H409</cusip>         <value>1367</value>         <shrsOrPrnAmt><sshPrnamt>584</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>584</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45765U103</cusip>         <value>211850</value>         <shrsOrPrnAmt><sshPrnamt>1868</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1868</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45765U103</cusip>         <value>200169</value>         <shrsOrPrnAmt><sshPrnamt>1765</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>184</Sole>             <Shared>0</Shared>             <None>1581</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45765U103</cusip>         <value>69634</value>         <shrsOrPrnAmt><sshPrnamt>614</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>614</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45765U103</cusip>         <value>6351</value>         <shrsOrPrnAmt><sshPrnamt>56</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>56</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSMED INC</nameOfIssuer>         <titleOfClass>COM PAR $.01</titleOfClass>         <cusip>457669307</cusip>         <value>1809918</value>         <shrsOrPrnAmt><sshPrnamt>12568</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>12568</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSMED INC</nameOfIssuer>         <titleOfClass>COM PAR $.01</titleOfClass>         <cusip>457669307</cusip>         <value>244961</value>         <shrsOrPrnAmt><sshPrnamt>1701</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1225</Sole>             <Shared>0</Shared>             <None>476</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSMED INC</nameOfIssuer>         <titleOfClass>COM PAR $.01</titleOfClass>         <cusip>457669307</cusip>         <value>257490</value>         <shrsOrPrnAmt><sshPrnamt>1788</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1788</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSMED INC</nameOfIssuer>         <titleOfClass>COM PAR $.01</titleOfClass>         <cusip>457669307</cusip>         <value>246113</value>         <shrsOrPrnAmt><sshPrnamt>1709</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1709</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSMED INC</nameOfIssuer>         <titleOfClass>COM PAR $.01</titleOfClass>         <cusip>457669307</cusip>         <value>10656740</value>         <shrsOrPrnAmt><sshPrnamt>74000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>74000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSPIRATO INCORPORATED</nameOfIssuer>         <titleOfClass>CL A NEW</titleOfClass>         <cusip>45791E206</cusip>         <value>855733</value>         <shrsOrPrnAmt><sshPrnamt>289099</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>289099</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>457730109</cusip>         <value>118720</value>         <shrsOrPrnAmt><sshPrnamt>1600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>457730109</cusip>         <value>62551</value>         <shrsOrPrnAmt><sshPrnamt>843</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>466</Sole>             <Shared>0</Shared>             <None>377</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>457730109</cusip>         <value>10462</value>         <shrsOrPrnAmt><sshPrnamt>141</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>141</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>457730109</cusip>         <value>2300</value>         <shrsOrPrnAmt><sshPrnamt>31</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>31</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>457730109</cusip>         <value>2916134</value>         <shrsOrPrnAmt><sshPrnamt>39301</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>39301</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSTALLED BLDG PRODS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45780R101</cusip>         <value>332991</value>         <shrsOrPrnAmt><sshPrnamt>1350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1350</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSTALLED BLDG PRODS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45780R101</cusip>         <value>240494</value>         <shrsOrPrnAmt><sshPrnamt>975</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>815</Sole>             <Shared>0</Shared>             <None>160</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSTALLED BLDG PRODS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45780R101</cusip>         <value>59198</value>         <shrsOrPrnAmt><sshPrnamt>240</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>240</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSULET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45784P101</cusip>         <value>7943314</value>         <shrsOrPrnAmt><sshPrnamt>25729</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>25729</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSULET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45784P101</cusip>         <value>1653249</value>         <shrsOrPrnAmt><sshPrnamt>5355</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2835</Sole>             <Shared>0</Shared>             <None>2520</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSULET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45784P101</cusip>         <value>17598</value>         <shrsOrPrnAmt><sshPrnamt>57</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>42</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSULET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45784P101</cusip>         <value>575473</value>         <shrsOrPrnAmt><sshPrnamt>1864</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1864</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INSULET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45784P101</cusip>         <value>4153962</value>         <shrsOrPrnAmt><sshPrnamt>13455</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>13455</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45826H109</cusip>         <value>211207</value>         <shrsOrPrnAmt><sshPrnamt>2044</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2044</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45826H109</cusip>         <value>13846</value>         <shrsOrPrnAmt><sshPrnamt>134</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>128</Sole>             <Shared>0</Shared>             <None>6</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45826H109</cusip>         <value>53215</value>         <shrsOrPrnAmt><sshPrnamt>515</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>515</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>         <titleOfClass>NOTE  2.125% 2/1</titleOfClass>         <cusip>45826HAB5</cusip>         <value>930750</value>         <shrsOrPrnAmt><sshPrnamt>730000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>730000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGRA LIFESCIENCES HLDGS C</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>457985208</cusip>         <value>54311</value>         <shrsOrPrnAmt><sshPrnamt>3790</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3790</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGRA LIFESCIENCES HLDGS C</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>457985208</cusip>         <value>2049</value>         <shrsOrPrnAmt><sshPrnamt>143</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>14</Sole>             <Shared>0</Shared>             <None>129</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGRA LIFESCIENCES HLDGS C</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>457985208</cusip>         <value>160267</value>         <shrsOrPrnAmt><sshPrnamt>11184</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11184</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGRA RES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45826T509</cusip>         <value>458022</value>         <shrsOrPrnAmt><sshPrnamt>157037</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>157037</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGRA RES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45826T509</cusip>         <value>11369</value>         <shrsOrPrnAmt><sshPrnamt>3898</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3898</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEGRA RES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45826T509</cusip>         <value>23</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>74374948</value>         <shrsOrPrnAmt><sshPrnamt>2216839</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2216839</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>14449213</value>         <shrsOrPrnAmt><sshPrnamt>430677</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>331462</Sole>             <Shared>12050</Shared>             <None>87165</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>298897</value>         <shrsOrPrnAmt><sshPrnamt>8909</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>6247</Sole>             <Shared>0</Shared>             <None>2662</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>2777571</value>         <shrsOrPrnAmt><sshPrnamt>82789</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>82789</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>44144889</value>         <shrsOrPrnAmt><sshPrnamt>1315794</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1315794</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>22546</value>         <shrsOrPrnAmt><sshPrnamt>672</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>672</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>281451</value>         <shrsOrPrnAmt><sshPrnamt>8389</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>8389</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>1325142</value>         <shrsOrPrnAmt><sshPrnamt>39498</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>39498</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>153311590</value>         <shrsOrPrnAmt><sshPrnamt>4569645</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>4569645</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>20025995</value>         <shrsOrPrnAmt><sshPrnamt>596900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>596900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>458140100</cusip>         <value>3499265</value>         <shrsOrPrnAmt><sshPrnamt>104300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>104300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>45841N107</cusip>         <value>9089801</value>         <shrsOrPrnAmt><sshPrnamt>132100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>132100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>45841N107</cusip>         <value>396139</value>         <shrsOrPrnAmt><sshPrnamt>5757</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4955</Sole>             <Shared>0</Shared>             <None>802</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>45841N107</cusip>         <value>354784</value>         <shrsOrPrnAmt><sshPrnamt>5156</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5156</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>45841N107</cusip>         <value>3055095</value>         <shrsOrPrnAmt><sshPrnamt>44399</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>44399</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>45841N107</cusip>         <value>28092095</value>         <shrsOrPrnAmt><sshPrnamt>408256</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>408256</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>45841N107</cusip>         <value>1039031</value>         <shrsOrPrnAmt><sshPrnamt>15100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>15100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45866F104</cusip>         <value>29569251</value>         <shrsOrPrnAmt><sshPrnamt>175506</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>175506</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45866F104</cusip>         <value>15757934</value>         <shrsOrPrnAmt><sshPrnamt>93530</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>81007</Sole>             <Shared>0</Shared>             <None>12523</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45866F104</cusip>         <value>100246</value>         <shrsOrPrnAmt><sshPrnamt>595</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>116</Sole>             <Shared>0</Shared>             <None>479</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45866F104</cusip>         <value>2705115</value>         <shrsOrPrnAmt><sshPrnamt>16056</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>16056</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45866F104</cusip>         <value>52984433</value>         <shrsOrPrnAmt><sshPrnamt>314485</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>314485</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45866F104</cusip>         <value>8539240</value>         <shrsOrPrnAmt><sshPrnamt>50684</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>50684</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45866F104</cusip>         <value>284394</value>         <shrsOrPrnAmt><sshPrnamt>1688</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1688</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45866F104</cusip>         <value>65876</value>         <shrsOrPrnAmt><sshPrnamt>391</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>391</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45866F104</cusip>         <value>50575674</value>         <shrsOrPrnAmt><sshPrnamt>300188</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>300188</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL HOTELS GROU</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>45857P806</cusip>         <value>27284</value>         <shrsOrPrnAmt><sshPrnamt>225</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             <None>221</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL HOTELS GROU</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>45857P806</cusip>         <value>103920</value>         <shrsOrPrnAmt><sshPrnamt>857</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>857</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERCONTINENTAL HOTELS GROU</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>45857P806</cusip>         <value>127444</value>         <shrsOrPrnAmt><sshPrnamt>1051</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1051</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERDIGITAL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>45867G101</cusip>         <value>527166</value>         <shrsOrPrnAmt><sshPrnamt>1527</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1527</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INTERDIGITAL INC</nameOfIssuer>         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<value>868313</value>         <shrsOrPrnAmt><sshPrnamt>11817</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11817</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>         <cusip>46138E354</cusip>         <value>1102</value>         <shrsOrPrnAmt><sshPrnamt>15</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>         <cusip>46138E354</cusip>         <value>48056</value>         <shrsOrPrnAmt><sshPrnamt>654</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>654</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>         <cusip>46138E354</cusip>         <value>163598</value>         <shrsOrPrnAmt><sshPrnamt>2226</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2226</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>         <cusip>46138E354</cusip>         <value>213994849</value>         <shrsOrPrnAmt><sshPrnamt>2912287</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>2912287</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P500 HDL VOL</titleOfClass>         <cusip>46138E362</cusip>         <value>128648</value>         <shrsOrPrnAmt><sshPrnamt>2600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P500 HDL VOL</titleOfClass>         <cusip>46138E362</cusip>         <value>5690</value>         <shrsOrPrnAmt><sshPrnamt>115</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>115</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P500 HDL VOL</titleOfClass>         <cusip>46138E362</cusip>         <value>13851134</value>         <shrsOrPrnAmt><sshPrnamt>279934</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>279934</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P 500 HB ETF</titleOfClass>         <cusip>46138E370</cusip>         <value>1994627</value>         <shrsOrPrnAmt><sshPrnamt>18166</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>18166</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>PFD ETF</titleOfClass>         <cusip>46138E511</cusip>         <value>5975833</value>         <shrsOrPrnAmt><sshPrnamt>515158</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>512783</Sole>             <Shared>750</Shared>             <None>1625</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>PFD ETF</titleOfClass>         <cusip>46138E511</cusip>         <value>46400</value>         <shrsOrPrnAmt><sshPrnamt>4000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>4000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>PFD ETF</titleOfClass>         <cusip>46138E511</cusip>         <value>1508</value>         <shrsOrPrnAmt><sshPrnamt>130</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>130</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>PFD ETF</titleOfClass>         <cusip>46138E511</cusip>         <value>3215948</value>         <shrsOrPrnAmt><sshPrnamt>277237</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>277237</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>KBW BK ETF</titleOfClass>         <cusip>46138E628</cusip>         <value>78210</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>GLOBAL WATER</titleOfClass>         <cusip>46138E651</cusip>         <value>242406</value>         <shrsOrPrnAmt><sshPrnamt>5400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>GLOBAL WATER</titleOfClass>         <cusip>46138E651</cusip>         <value>22445</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>GLOBAL WATER</titleOfClass>         <cusip>46138E651</cusip>         <value>2328</value>         <shrsOrPrnAmt><sshPrnamt>52</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>52</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>FNDMNTL HY CRP</titleOfClass>         <cusip>46138E719</cusip>         <value>29245</value>         <shrsOrPrnAmt><sshPrnamt>1574</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1574</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>RAFI EMRGNG MRKT</titleOfClass>         <cusip>46138E727</cusip>         <value>11617</value>         <shrsOrPrnAmt><sshPrnamt>457</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>457</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>RAFI EMRGNG MRKT</titleOfClass>         <cusip>46138E727</cusip>         <value>102</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>RAFI EMRGNG MRKT</titleOfClass>         <cusip>46138E727</cusip>         <value>131574</value>         <shrsOrPrnAmt><sshPrnamt>5176</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>5176</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>RAFI DVLPD MRKTS</titleOfClass>         <cusip>46138E735</cusip>         <value>83782</value>         <shrsOrPrnAmt><sshPrnamt>2038</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2038</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>RAFI DVLPD MRKTS</titleOfClass>         <cusip>46138E735</cusip>         <value>37246</value>         <shrsOrPrnAmt><sshPrnamt>906</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>906</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>RAFI DVLPD MRKTS</titleOfClass>         <cusip>46138E743</cusip>         <value>121259</value>         <shrsOrPrnAmt><sshPrnamt>1982</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1982</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>RAFI DVLPD MRKTS</titleOfClass>         <cusip>46138E743</cusip>         <value>93300</value>         <shrsOrPrnAmt><sshPrnamt>1525</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1525</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>EMRNG MKT SVRG</titleOfClass>         <cusip>46138E784</cusip>         <value>129360</value>         <shrsOrPrnAmt><sshPrnamt>6000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>6000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>CHINA TECHNLGY</titleOfClass>         <cusip>46138E800</cusip>         <value>8120248</value>         <shrsOrPrnAmt><sshPrnamt>137608</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>137608</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>DORSEY WRGT SMLC</titleOfClass>         <cusip>46138E842</cusip>         <value>27648</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>SR LN ETF</titleOfClass>         <cusip>46138G508</cusip>         <value>12963393</value>         <shrsOrPrnAmt><sshPrnamt>619369</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>619369</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>SR LN ETF</titleOfClass>         <cusip>46138G508</cusip>         <value>209886</value>         <shrsOrPrnAmt><sshPrnamt>10028</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>10028</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>INVESCO PHLX SM</titleOfClass>         <cusip>46138G615</cusip>         <value>106655</value>         <shrsOrPrnAmt><sshPrnamt>2128</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2128</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>NASDAQNXTGEN100</titleOfClass>         <cusip>46138G631</cusip>         <value>152537</value>         <shrsOrPrnAmt><sshPrnamt>4262</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4262</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>NASDAQ 100 ETF</titleOfClass>         <cusip>46138G649</cusip>         <value>650914</value>         <shrsOrPrnAmt><sshPrnamt>2634</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2634</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>NASDAQ 100 ETF</titleOfClass>         <cusip>46138G649</cusip>         <value>64993</value>         <shrsOrPrnAmt><sshPrnamt>263</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>263</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>NASDAQ 100 ETF</titleOfClass>         <cusip>46138G649</cusip>         <value>815249</value>         <shrsOrPrnAmt><sshPrnamt>3299</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3299</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>NASDAQ 100 ETF</titleOfClass>         <cusip>46138G649</cusip>         <value>667718</value>         <shrsOrPrnAmt><sshPrnamt>2702</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2702</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>NASDAQ 100 ETF</titleOfClass>         <cusip>46138G649</cusip>         <value>27183</value>         <shrsOrPrnAmt><sshPrnamt>110</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>110</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>NASDAQ 100 ETF</titleOfClass>         <cusip>46138G649</cusip>         <value>33114</value>         <shrsOrPrnAmt><sshPrnamt>134</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>134</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>NASDAQ 100 ETF</titleOfClass>         <cusip>46138G649</cusip>         <value>1591700</value>         <shrsOrPrnAmt><sshPrnamt>6441</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>6441</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P SMALLCAP 600</titleOfClass>         <cusip>46138G664</cusip>         <value>331982</value>         <shrsOrPrnAmt><sshPrnamt>6827</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6827</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P MDCP 400 REV</titleOfClass>         <cusip>46138G672</cusip>         <value>302274</value>         <shrsOrPrnAmt><sshPrnamt>2418</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2418</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P 500 REVENUE</titleOfClass>         <cusip>46138G698</cusip>         <value>1975623</value>         <shrsOrPrnAmt><sshPrnamt>975</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>975</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>S&amp;P 500 REVENUE</titleOfClass>         <cusip>46138G698</cusip>         <value>3424413</value>         <shrsOrPrnAmt><sshPrnamt>1690</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1690</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>SOLAR ETF</titleOfClass>         <cusip>46138G706</cusip>         <value>13089</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>SOLAR ETF</titleOfClass>         <cusip>46138G706</cusip>         <value>222906</value>         <shrsOrPrnAmt><sshPrnamt>5109</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5109</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>SOLAR ETF</titleOfClass>         <cusip>46138G706</cusip>         <value>13089</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>SOLAR ETF</titleOfClass>         <cusip>46138G706</cusip>         <value>10907500</value>         <shrsOrPrnAmt><sshPrnamt>250000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>250000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>TAXABLE MUN BD</titleOfClass>         <cusip>46138G805</cusip>         <value>22589079</value>         <shrsOrPrnAmt><sshPrnamt>827742</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>825536</Sole>             <Shared>0</Shared>             <None>2206</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>         <titleOfClass>TAXABLE MUN BD</titleOfClass>         <cusip>46138G805</cusip>         <value>80333</value>         <shrsOrPrnAmt><sshPrnamt>2944</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2944</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>         <titleOfClass>RUSL 2000 DYNM</titleOfClass>         <cusip>46138J593</cusip>         <value>49005</value>         <shrsOrPrnAmt><sshPrnamt>1114</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1114</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>         <titleOfClass>RUSL 1000 DYNM</titleOfClass>         <cusip>46138J619</cusip>         <value>190181</value>         <shrsOrPrnAmt><sshPrnamt>3156</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3156</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>         <titleOfClass>RUSL 1000 DYNM</titleOfClass>         <cusip>46138J619</cusip>         <value>150650</value>         <shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>         <titleOfClass>RUSL 1000 DYNM</titleOfClass>         <cusip>46138J619</cusip>         <value>79242</value>         <shrsOrPrnAmt><sshPrnamt>1315</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1315</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>         <titleOfClass>BLOOMBERG PRICIN</titleOfClass>         <cusip>46138J775</cusip>         <value>5160</value>         <shrsOrPrnAmt><sshPrnamt>57</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>57</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>         <titleOfClass>BULSHS 2025 HY</titleOfClass>         <cusip>46138J817</cusip>         <value>398961</value>         <shrsOrPrnAmt><sshPrnamt>17301</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>17301</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>         <titleOfClass>BULLETSHS 2032</titleOfClass>         <cusip>46139W858</cusip>         <value>35412</value>         <shrsOrPrnAmt><sshPrnamt>1696</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1696</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>AEROSPACE DEFN</titleOfClass>         <cusip>46137V100</cusip>         <value>39795</value>         <shrsOrPrnAmt><sshPrnamt>256</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>256</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>AEROSPACE DEFN</titleOfClass>         <cusip>46137V100</cusip>         <value>1805085</value>         <shrsOrPrnAmt><sshPrnamt>11612</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11612</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>AEROSPACE DEFN</titleOfClass>         <cusip>46137V100</cusip>         <value>155450</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>AEROSPACE DEFN</titleOfClass>         <cusip>46137V100</cusip>         <value>14620</value>         <shrsOrPrnAmt><sshPrnamt>94</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>94</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>AEROSPACE DEFN</titleOfClass>         <cusip>46137V100</cusip>         <value>38085</value>         <shrsOrPrnAmt><sshPrnamt>245</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>245</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>GBL LISTED PVT</titleOfClass>         <cusip>46137V118</cusip>         <value>41412</value>         <shrsOrPrnAmt><sshPrnamt>600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>WILDERHIL CLAN</titleOfClass>         <cusip>46137V134</cusip>         <value>173</value>         <shrsOrPrnAmt><sshPrnamt>6</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>WATER RES ETF</titleOfClass>         <cusip>46137V142</cusip>         <value>79033</value>         <shrsOrPrnAmt><sshPrnamt>1096</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1096</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>WATER RES ETF</titleOfClass>         <cusip>46137V142</cusip>         <value>231185</value>         <shrsOrPrnAmt><sshPrnamt>3206</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3206</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>WATER RES ETF</titleOfClass>         <cusip>46137V142</cusip>         <value>163041</value>         <shrsOrPrnAmt><sshPrnamt>2261</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2261</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>WATER RES ETF</titleOfClass>         <cusip>46137V142</cusip>         <value>37924</value>         <shrsOrPrnAmt><sshPrnamt>526</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>526</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>WATER RES ETF</titleOfClass>         <cusip>46137V142</cusip>         <value>25239</value>         <shrsOrPrnAmt><sshPrnamt>350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>350</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P MDCP400 VL</titleOfClass>         <cusip>46137V191</cusip>         <value>55413</value>         <shrsOrPrnAmt><sshPrnamt>432</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>432</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P MIDCAP 400</titleOfClass>         <cusip>46137V225</cusip>         <value>354743</value>         <shrsOrPrnAmt><sshPrnamt>2941</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2941</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P MIDCAP 400</titleOfClass>         <cusip>46137V225</cusip>         <value>17369</value>         <shrsOrPrnAmt><sshPrnamt>144</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>144</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P 500 TOP 50</titleOfClass>         <cusip>46137V233</cusip>         <value>2627350</value>         <shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P 500 TOP 50</titleOfClass>         <cusip>46137V233</cusip>         <value>136386789</value>         <shrsOrPrnAmt><sshPrnamt>129776</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>129776</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P 500 TOP 50</titleOfClass>         <cusip>46137V233</cusip>         <value>1145525</value>         <shrsOrPrnAmt><sshPrnamt>1090</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1090</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 QUALITY</titleOfClass>         <cusip>46137V241</cusip>         <value>629341</value>         <shrsOrPrnAmt><sshPrnamt>8587</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8587</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 QUALITY</titleOfClass>         <cusip>46137V241</cusip>         <value>243912</value>         <shrsOrPrnAmt><sshPrnamt>3328</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>3328</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 PUR VAL</titleOfClass>         <cusip>46137V258</cusip>         <value>2584</value>         <shrsOrPrnAmt><sshPrnamt>26</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>26</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 PUR VAL</titleOfClass>         <cusip>46137V258</cusip>         <value>181468</value>         <shrsOrPrnAmt><sshPrnamt>1826</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1826</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 PUR GWT</titleOfClass>         <cusip>46137V266</cusip>         <value>95440</value>         <shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 PUR GWT</titleOfClass>         <cusip>46137V266</cusip>         <value>346590</value>         <shrsOrPrnAmt><sshPrnamt>7263</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7263</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 PUR GWT</titleOfClass>         <cusip>46137V266</cusip>         <value>75726</value>         <shrsOrPrnAmt><sshPrnamt>1587</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1587</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>         <cusip>46137V282</cusip>         <value>713</value>         <shrsOrPrnAmt><sshPrnamt>16</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>16</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>         <cusip>46137V282</cusip>         <value>821164</value>         <shrsOrPrnAmt><sshPrnamt>18420</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>18420</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>         <cusip>46137V282</cusip>         <value>253437</value>         <shrsOrPrnAmt><sshPrnamt>5685</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>5685</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>BUYBACK ACHIEV</titleOfClass>         <cusip>46137V308</cusip>         <value>99360</value>         <shrsOrPrnAmt><sshPrnamt>750</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         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TRADED FD T</nameOfIssuer>         <titleOfClass>INVESCO MSCI</titleOfClass>         <cusip>46137V407</cusip>         <value>8768</value>         <shrsOrPrnAmt><sshPrnamt>184</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>184</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P 500 GARP ETF</titleOfClass>         <cusip>46137V431</cusip>         <value>22939</value>         <shrsOrPrnAmt><sshPrnamt>11</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>11</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>555</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P 500 GARP ETF</titleOfClass>         <cusip>46137V431</cusip>         <value>1094819</value>         <shrsOrPrnAmt><sshPrnamt>525</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>525</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P MDCP MOMNTUM</titleOfClass>         <cusip>46137V464</cusip>         <value>118326</value>         <shrsOrPrnAmt><sshPrnamt>875</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>875</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>S&amp;P SMLCP MOMENT</titleOfClass>         <cusip>46137V498</cusip>         <value>4046</value>         <shrsOrPrnAmt><sshPrnamt>55</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>55</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>DIVID ACHIEVEV</titleOfClass>         <cusip>46137V506</cusip>         <value>1113844</value>         <shrsOrPrnAmt><sshPrnamt>21952</sshPrnamt>          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<value>108605</value>         <shrsOrPrnAmt><sshPrnamt>5106</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5106</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>HIG YLD EQ DIV</titleOfClass>         <cusip>46137V563</cusip>         <value>11504</value>         <shrsOrPrnAmt><sshPrnamt>546</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>546</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>RAFI US 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TRADED FD T</nameOfIssuer>         <titleOfClass>DJ INDL AVG DV</titleOfClass>         <cusip>46137V605</cusip>         <value>58533</value>         <shrsOrPrnAmt><sshPrnamt>1060</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1060</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>         <titleOfClass>DJ INDL AVG DV</titleOfClass>         <cusip>46137V605</cusip>         <value>23469</value>         <shrsOrPrnAmt><sshPrnamt>425</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<titleOfClass>S&amp;P 100 ETF</titleOfClass>         <cusip>464287101</cusip>         <value>1318712</value>         <shrsOrPrnAmt><sshPrnamt>3962</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3962</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>S&amp;P 100 ETF</titleOfClass>         <cusip>464287101</cusip>         <value>86871</value>         <shrsOrPrnAmt><sshPrnamt>261</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>261</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>S&amp;P 100 ETF</titleOfClass>         <cusip>464287101</cusip>         <value>140791</value>         <shrsOrPrnAmt><sshPrnamt>423</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>423</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MORNINGSTAR GRWT</titleOfClass>         <cusip>464287119</cusip>         <value>36714</value>         <shrsOrPrnAmt><sshPrnamt>352</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>352</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MORNINGSTAR GRWT</titleOfClass>         <cusip>464287119</cusip>         <value>26909</value>         <shrsOrPrnAmt><sshPrnamt>258</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>258</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MORNINGSTR US EQ</titleOfClass>         <cusip>464287127</cusip>         <value>137983</value>         <shrsOrPrnAmt><sshPrnamt>1493</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1493</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>         <cusip>464287150</cusip>         <value>5971213</value>         <shrsOrPrnAmt><sshPrnamt>40997</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>40997</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>         <cusip>464287150</cusip>         <value>41656</value>         <shrsOrPrnAmt><sshPrnamt>286</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>286</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>         <cusip>464287150</cusip>         <value>2196743</value>         <shrsOrPrnAmt><sshPrnamt>15082</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>15082</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>         <cusip>464287150</cusip>         <value>85205</value>         <shrsOrPrnAmt><sshPrnamt>585</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>585</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>SELECT DIVID ETF</titleOfClass>         <cusip>464287168</cusip>         <value>93298739</value>         <shrsOrPrnAmt><sshPrnamt>656571</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>656021</Sole>             <Shared>550</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>SELECT DIVID ETF</titleOfClass>         <cusip>464287168</cusip>         <value>1682322</value>         <shrsOrPrnAmt><sshPrnamt>11839</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>11839</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>SELECT DIVID ETF</titleOfClass>         <cusip>464287168</cusip>         <value>93241</value>         <shrsOrPrnAmt><sshPrnamt>656</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>656</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>SELECT DIVID ETF</titleOfClass>         <cusip>464287168</cusip>         <value>7452435</value>         <shrsOrPrnAmt><sshPrnamt>52445</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>52445</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>SELECT DIVID ETF</titleOfClass>         <cusip>464287168</cusip>         <value>418058</value>         <shrsOrPrnAmt><sshPrnamt>2942</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2942</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>SELECT DIVID ETF</titleOfClass>         <cusip>464287168</cusip>         <value>698848</value>         <shrsOrPrnAmt><sshPrnamt>4918</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4918</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>SELECT DIVID ETF</titleOfClass>         <cusip>464287168</cusip>         <value>1452120</value>         <shrsOrPrnAmt><sshPrnamt>10219</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>10219</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>SELECT DIVID ETF</titleOfClass>         <cusip>464287168</cusip>         <value>852600</value>         <shrsOrPrnAmt><sshPrnamt>6000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>6000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>TIPS BD ETF</titleOfClass>         <cusip>464287176</cusip>         <value>2317602</value>         <shrsOrPrnAmt><sshPrnamt>20838</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>20799</Sole>             <Shared>0</Shared>             <None>39</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>TIPS BD ETF</titleOfClass>         <cusip>464287176</cusip>         <value>710473</value>         <shrsOrPrnAmt><sshPrnamt>6388</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>6388</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>TIPS BD ETF</titleOfClass>         <cusip>464287176</cusip>         <value>102656</value>         <shrsOrPrnAmt><sshPrnamt>923</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>923</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>TIPS BD ETF</titleOfClass>         <cusip>464287176</cusip>         <value>92037</value>         <shrsOrPrnAmt><sshPrnamt>828</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>828</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>120635069</value>         <shrsOrPrnAmt><sshPrnamt>2932306</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2932306</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>419525150</value>         <shrsOrPrnAmt><sshPrnamt>10197500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>10197500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>205038057</value>         <shrsOrPrnAmt><sshPrnamt>4983910</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4971593</Sole>             <Shared>76</Shared>             <None>12241</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>3426756</value>         <shrsOrPrnAmt><sshPrnamt>83295</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>57478</Sole>             <Shared>0</Shared>             <None>25817</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>16558068</value>         <shrsOrPrnAmt><sshPrnamt>402481</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>402481</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>1861585</value>         <shrsOrPrnAmt><sshPrnamt>45250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>45250</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>275432</value>         <shrsOrPrnAmt><sshPrnamt>6695</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>6695</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>1049033</value>         <shrsOrPrnAmt><sshPrnamt>25499</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>25499</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>4766398</value>         <shrsOrPrnAmt><sshPrnamt>115858</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>115858</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CHINA LG-CAP ETF</titleOfClass>         <cusip>464287184</cusip>         <value>20746902</value>         <shrsOrPrnAmt><sshPrnamt>504300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>504300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>US TRSPRTION</titleOfClass>         <cusip>464287192</cusip>         <value>48046</value>         <shrsOrPrnAmt><sshPrnamt>670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>670</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>US TRSPRTION</titleOfClass>         <cusip>464287192</cusip>         <value>1798</value>         <shrsOrPrnAmt><sshPrnamt>25</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>25</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>         <cusip>464287200</cusip>         <value>1009995787</value>         <shrsOrPrnAmt><sshPrnamt>1509033</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1499806</Sole>             <Shared>2613</Shared>             <None>6614</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>         <cusip>464287200</cusip>         <value>23119630</value>         <shrsOrPrnAmt><sshPrnamt>34543</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>31878</Sole>             <Shared>0</Shared>             <None>2665</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>         <cusip>464287200</cusip>         <value>20288840</value>         <shrsOrPrnAmt><sshPrnamt>30314</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>30314</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>         <cusip>464287200</cusip>         <value>30133894</value>         <shrsOrPrnAmt><sshPrnamt>45023</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>45023</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>         <cusip>464287200</cusip>         <value>4128242</value>         <shrsOrPrnAmt><sshPrnamt>6168</sshPrnamt>             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<titleOfClass>GL CLEAN ENE ETF</titleOfClass>         <cusip>464288224</cusip>         <value>15480000</value>         <shrsOrPrnAmt><sshPrnamt>1000000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1000000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI ACWI EX US</titleOfClass>         <cusip>464288240</cusip>         <value>752491</value>         <shrsOrPrnAmt><sshPrnamt>11575</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>11575</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        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<cusip>464288836</cusip>         <value>1269582</value>         <shrsOrPrnAmt><sshPrnamt>17497</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>17497</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>U.S. PHARMA ETF</titleOfClass>         <cusip>464288836</cusip>         <value>10884</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>150</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>U.S. PHARMA ETF</titleOfClass>         <cusip>464288836</cusip>         <value>3265</value>         <shrsOrPrnAmt><sshPrnamt>45</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>45</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>US OIL GS EX ETF</titleOfClass>         <cusip>464288851</cusip>         <value>94174</value>         <shrsOrPrnAmt><sshPrnamt>1017</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1017</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MICRO-CAP ETF</titleOfClass>         <cusip>464288869</cusip>         <value>331725</value>         <shrsOrPrnAmt><sshPrnamt>2225</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2225</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MICRO-CAP ETF</titleOfClass>         <cusip>464288869</cusip>         <value>16954155</value>         <shrsOrPrnAmt><sshPrnamt>113718</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>113517</Sole>             <Shared>0</Shared>             <None>201</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>EAFE VALUE ETF</titleOfClass>         <cusip>464288877</cusip>         <value>12579209</value>         <shrsOrPrnAmt><sshPrnamt>185452</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>185452</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>EAFE VALUE ETF</titleOfClass>         <cusip>464288877</cusip>         <value>218073</value>         <shrsOrPrnAmt><sshPrnamt>3215</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3215</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>EAFE VALUE ETF</titleOfClass>         <cusip>464288877</cusip>         <value>58537</value>         <shrsOrPrnAmt><sshPrnamt>863</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>863</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>EAFE VALUE ETF</titleOfClass>         <cusip>464288877</cusip>         <value>596904</value>         <shrsOrPrnAmt><sshPrnamt>8800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>8800</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>EAFE VALUE ETF</titleOfClass>         <cusip>464288877</cusip>         <value>8625581</value>         <shrsOrPrnAmt><sshPrnamt>127165</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>127165</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>EAFE GRWTH ETF</titleOfClass>         <cusip>464288885</cusip>         <value>20565134</value>         <shrsOrPrnAmt><sshPrnamt>180586</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         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<titleOfClass>CORE 80/20 AGGRE</titleOfClass>         <cusip>464289859</cusip>         <value>5548</value>         <shrsOrPrnAmt><sshPrnamt>63</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>63</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE 60/40 BALAN</titleOfClass>         <cusip>464289867</cusip>         <value>1247169</value>         <shrsOrPrnAmt><sshPrnamt>19372</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>19372</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES 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ETF</titleOfClass>         <cusip>46429B655</cusip>         <value>82664</value>         <shrsOrPrnAmt><sshPrnamt>1618</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1618</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>FLTG RATE NT ETF</titleOfClass>         <cusip>46429B655</cusip>         <value>194551</value>         <shrsOrPrnAmt><sshPrnamt>3808</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3808</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE HIGH DV ETF</titleOfClass>         <cusip>46429B663</cusip>         <value>134695</value>         <shrsOrPrnAmt><sshPrnamt>1100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE HIGH DV ETF</titleOfClass>         <cusip>46429B663</cusip>         <value>4768815</value>         <shrsOrPrnAmt><sshPrnamt>38945</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>38945</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE HIGH DV ETF</titleOfClass>         <cusip>46429B663</cusip>         <value>247349</value>         <shrsOrPrnAmt><sshPrnamt>2020</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2020</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE HIGH DV ETF</titleOfClass>         <cusip>46429B663</cusip>         <value>834430</value>         <shrsOrPrnAmt><sshPrnamt>6814</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6814</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE HIGH DV ETF</titleOfClass>         <cusip>46429B663</cusip>         <value>46486</value>         <shrsOrPrnAmt><sshPrnamt>380</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>380</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI CHINA ETF</titleOfClass>         <cusip>46429B671</cusip>         <value>29896</value>         <shrsOrPrnAmt><sshPrnamt>454</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>454</Sole>             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TR</nameOfIssuer>         <titleOfClass>MSCI USA VALUE</titleOfClass>         <cusip>46432F388</cusip>         <value>3193</value>         <shrsOrPrnAmt><sshPrnamt>26</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>26</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI USA MMENTM</titleOfClass>         <cusip>46432F396</cusip>         <value>111299</value>         <shrsOrPrnAmt><sshPrnamt>434</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>434</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        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<None>91</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI USA MMENTM</titleOfClass>         <cusip>46432F396</cusip>         <value>2052</value>         <shrsOrPrnAmt><sshPrnamt>8</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI TOTAL</titleOfClass>         <cusip>46432F834</cusip>         <value>734136</value>         <shrsOrPrnAmt><sshPrnamt>8890</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8890</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI TOTAL</titleOfClass>         <cusip>46432F834</cusip>         <value>2813253</value>         <shrsOrPrnAmt><sshPrnamt>34067</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>34067</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI TOTAL</titleOfClass>         <cusip>46432F834</cusip>         <value>18663</value>         <shrsOrPrnAmt><sshPrnamt>226</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>226</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI TOTAL</titleOfClass>         <cusip>46432F834</cusip>         <value>353193</value>         <shrsOrPrnAmt><sshPrnamt>4277</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4277</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI TOTAL</titleOfClass>         <cusip>46432F834</cusip>         <value>183162</value>         <shrsOrPrnAmt><sshPrnamt>2218</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2218</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EAFE</titleOfClass>         <cusip>46432F842</cusip>         <value>587137049</value>         <shrsOrPrnAmt><sshPrnamt>6724740</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6724740</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EAFE</titleOfClass>         <cusip>46432F842</cusip>         <value>515752917</value>         <shrsOrPrnAmt><sshPrnamt>5907146</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5898581</Sole>             <Shared>2080</Shared>             <None>6485</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EAFE</titleOfClass>         <cusip>46432F842</cusip>         <value>19358111</value>         <shrsOrPrnAmt><sshPrnamt>221717</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>211742</Sole>             <Shared>0</Shared>             <None>9975</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EAFE</titleOfClass>         <cusip>46432F842</cusip>         <value>57201570</value>         <shrsOrPrnAmt><sshPrnamt>655155</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>655155</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EAFE</titleOfClass>         <cusip>46432F842</cusip>         <value>3481050</value>         <shrsOrPrnAmt><sshPrnamt>39870</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>39870</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EAFE</titleOfClass>         <cusip>46432F842</cusip>         <value>1702370</value>         <shrsOrPrnAmt><sshPrnamt>19498</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>19498</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EAFE</titleOfClass>         <cusip>46432F842</cusip>         <value>4298361</value>         <shrsOrPrnAmt><sshPrnamt>49231</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>49231</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EAFE</titleOfClass>         <cusip>46432F842</cusip>         <value>832239</value>         <shrsOrPrnAmt><sshPrnamt>9532</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>9532</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE 1 5 YR USD</titleOfClass>         <cusip>46432F859</cusip>         <value>3549203</value>         <shrsOrPrnAmt><sshPrnamt>72670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>72670</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE 1 5 YR USD</titleOfClass>         <cusip>46432F859</cusip>         <value>731037</value>         <shrsOrPrnAmt><sshPrnamt>14968</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>14968</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE 1 5 YR USD</titleOfClass>         <cusip>46432F859</cusip>         <value>207885</value>         <shrsOrPrnAmt><sshPrnamt>4256</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4256</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>0-5YR INVT GR CP</titleOfClass>         <cusip>46434V100</cusip>         <value>1216667</value>         <shrsOrPrnAmt><sshPrnamt>23936</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>23936</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>0-5YR INVT GR CP</titleOfClass>         <cusip>46434V100</cusip>         <value>216028</value>         <shrsOrPrnAmt><sshPrnamt>4250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>4250</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>0-5YR INVT GR CP</titleOfClass>         <cusip>46434V100</cusip>         <value>641040</value>         <shrsOrPrnAmt><sshPrnamt>12611</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12611</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>INTERNATIONAL SL</titleOfClass>         <cusip>46434V266</cusip>         <value>3208</value>         <shrsOrPrnAmt><sshPrnamt>78</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>78</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>U S EQUITY FACTR</titleOfClass>         <cusip>46434V282</cusip>         <value>3454</value>         <shrsOrPrnAmt><sshPrnamt>50</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>50</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>GLOBAL EQUITY</titleOfClass>         <cusip>46434V316</cusip>         <value>42845</value>         <shrsOrPrnAmt><sshPrnamt>830</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>830</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>FUTURE EXPONENTI</titleOfClass>         <cusip>46434V381</cusip>         <value>18920</value>         <shrsOrPrnAmt><sshPrnamt>263</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>263</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>FUTURE EXPONENTI</titleOfClass>         <cusip>46434V381</cusip>         <value>1421822</value>         <shrsOrPrnAmt><sshPrnamt>19764</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>19764</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>FUTURE EXPONENTI</titleOfClass>         <cusip>46434V381</cusip>         <value>146038</value>         <shrsOrPrnAmt><sshPrnamt>2030</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2030</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>0-5YR HI YL CP</titleOfClass>         <cusip>46434V407</cusip>         <value>25374</value>         <shrsOrPrnAmt><sshPrnamt>586</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>586</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>0-5YR HI YL CP</titleOfClass>         <cusip>46434V407</cusip>         <value>3938698</value>         <shrsOrPrnAmt><sshPrnamt>90963</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>90963</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI SAUDI ARBIA</titleOfClass>         <cusip>46434V423</cusip>         <value>30435</value>         <shrsOrPrnAmt><sshPrnamt>750</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>750</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI SAUDI ARBIA</titleOfClass>         <cusip>46434V423</cusip>         <value>6168</value>         <shrsOrPrnAmt><sshPrnamt>152</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>152</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI INTL MOMENT</titleOfClass>         <cusip>46434V449</cusip>         <value>40890</value>         <shrsOrPrnAmt><sshPrnamt>854</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>854</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI INTL QUALTY</titleOfClass>         <cusip>46434V456</cusip>         <value>1989</value>         <shrsOrPrnAmt><sshPrnamt>45</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>45</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI INTL QUALTY</titleOfClass>         <cusip>46434V456</cusip>         <value>1326</value>         <shrsOrPrnAmt><sshPrnamt>30</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>30</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI LW CRB TG</titleOfClass>         <cusip>46434V464</cusip>         <value>139979</value>         <shrsOrPrnAmt><sshPrnamt>617</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>617</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI CHINA A</titleOfClass>         <cusip>46434V514</cusip>         <value>9306</value>         <shrsOrPrnAmt><sshPrnamt>271</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>271</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE TOTAL USD</titleOfClass>         <cusip>46434V613</cusip>         <value>14854</value>         <shrsOrPrnAmt><sshPrnamt>318</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>318</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE TOTAL USD</titleOfClass>         <cusip>46434V613</cusip>         <value>275636</value>         <shrsOrPrnAmt><sshPrnamt>5901</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5901</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE TOTAL USD</titleOfClass>         <cusip>46434V613</cusip>         <value>266722</value>         <shrsOrPrnAmt><sshPrnamt>5710</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5710</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE DIV GRWTH</titleOfClass>         <cusip>46434V621</cusip>         <value>693259</value>         <shrsOrPrnAmt><sshPrnamt>10183</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10183</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE DIV GRWTH</titleOfClass>         <cusip>46434V621</cusip>         <value>517680</value>         <shrsOrPrnAmt><sshPrnamt>7604</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7604</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE DIV GRWTH</titleOfClass>         <cusip>46434V621</cusip>         <value>8170</value>         <shrsOrPrnAmt><sshPrnamt>120</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>120</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE DIV GRWTH</titleOfClass>         <cusip>46434V621</cusip>         <value>2209207</value>         <shrsOrPrnAmt><sshPrnamt>32450</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>32450</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CUR HD EURZN ETF</titleOfClass>         <cusip>46434V639</cusip>         <value>157130</value>         <shrsOrPrnAmt><sshPrnamt>3727</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3727</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>GLOBAL REIT ETF</titleOfClass>         <cusip>46434V647</cusip>         <value>35491185</value>         <shrsOrPrnAmt><sshPrnamt>1388544</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1388544</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>GLOBAL REIT ETF</titleOfClass>         <cusip>46434V647</cusip>         <value>1654652</value>         <shrsOrPrnAmt><sshPrnamt>64736</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>64736</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>GLOBAL REIT ETF</titleOfClass>         <cusip>46434V647</cusip>         <value>2251069</value>         <shrsOrPrnAmt><sshPrnamt>88070</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>88070</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>GLOBAL REIT ETF</titleOfClass>         <cusip>46434V647</cusip>         <value>26</value>         <shrsOrPrnAmt><sshPrnamt>1</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>GLOBAL REIT ETF</titleOfClass>         <cusip>46434V647</cusip>         <value>66919</value>         <shrsOrPrnAmt><sshPrnamt>2618</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2618</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI PAC</titleOfClass>         <cusip>46434V696</cusip>         <value>35393</value>         <shrsOrPrnAmt><sshPrnamt>482</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>482</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EURO</titleOfClass>         <cusip>46434V738</cusip>         <value>23501</value>         <shrsOrPrnAmt><sshPrnamt>345</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>345</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EURO</titleOfClass>         <cusip>46434V738</cusip>         <value>307562</value>         <shrsOrPrnAmt><sshPrnamt>4515</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4515</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI EURO</titleOfClass>         <cusip>46434V738</cusip>         <value>94006</value>         <shrsOrPrnAmt><sshPrnamt>1380</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1380</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI UAE ETF</titleOfClass>         <cusip>46434V761</cusip>         <value>1575199</value>         <shrsOrPrnAmt><sshPrnamt>83388</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>83388</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>HDG MSCI EAFE</titleOfClass>         <cusip>46434V803</cusip>         <value>73929</value>         <shrsOrPrnAmt><sshPrnamt>1866</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1866</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>TRS FLT RT BD</titleOfClass>         <cusip>46434V860</cusip>         <value>8047098</value>         <shrsOrPrnAmt><sshPrnamt>159065</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>159065</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>TRS FLT RT BD</titleOfClass>         <cusip>46434V860</cusip>         <value>2420458</value>         <shrsOrPrnAmt><sshPrnamt>47845</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>47845</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>ULTRA SHORT DUR</titleOfClass>         <cusip>46434V878</cusip>         <value>754957</value>         <shrsOrPrnAmt><sshPrnamt>14876</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>14876</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>ULTRA SHORT DUR</titleOfClass>         <cusip>46434V878</cusip>         <value>476796</value>         <shrsOrPrnAmt><sshPrnamt>9395</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9395</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>HDG MSCI JAPAN</titleOfClass>         <cusip>46434V886</cusip>         <value>68387</value>         <shrsOrPrnAmt><sshPrnamt>1388</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1388</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>HDG MSCI JAPAN</titleOfClass>         <cusip>46434V886</cusip>         <value>13007</value>         <shrsOrPrnAmt><sshPrnamt>264</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>264</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CONV BD ETF</titleOfClass>         <cusip>46435G102</cusip>         <value>271035</value>         <shrsOrPrnAmt><sshPrnamt>2709</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2709</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CONV BD ETF</titleOfClass>         <cusip>46435G102</cusip>         <value>49025</value>         <shrsOrPrnAmt><sshPrnamt>490</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>490</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>INVESTMENT GRADE</titleOfClass>         <cusip>46435G219</cusip>         <value>41952</value>         <shrsOrPrnAmt><sshPrnamt>911</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>911</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>RUSEL 2500 ETF</titleOfClass>         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INTL</titleOfClass>         <cusip>46435G326</cusip>         <value>84900</value>         <shrsOrPrnAmt><sshPrnamt>1059</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1059</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI INTL</titleOfClass>         <cusip>46435G326</cusip>         <value>3127</value>         <shrsOrPrnAmt><sshPrnamt>39</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>39</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>CORE MSCI INTL</titleOfClass>         <cusip>46435G326</cusip>         <value>80811</value>         <shrsOrPrnAmt><sshPrnamt>1008</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1008</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI UK ETF NEW</titleOfClass>         <cusip>46435G334</cusip>         <value>25182</value>         <shrsOrPrnAmt><sshPrnamt>600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI UK ETF NEW</titleOfClass>         <cusip>46435G334</cusip>         <value>125910</value>         <shrsOrPrnAmt><sshPrnamt>3000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MORTGE REL ETF</titleOfClass>         <cusip>46435G342</cusip>         <value>44</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI INTL VLU FT</titleOfClass>         <cusip>46435G409</cusip>         <value>7202</value>         <shrsOrPrnAmt><sshPrnamt>203</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>203</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer>         <titleOfClass>MSCI INTL VLU FT</titleOfClass>         <cusip>46435G409</cusip>         <value>12276</value>         <shrsOrPrnAmt><sshPrnamt>346</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>346</Sole>             <Shared>0</Shared>             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          <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JAZZ INVESTMENTS I LTD</nameOfIssuer>         <titleOfClass>NOTE  2.000% 6/1</titleOfClass>         <cusip>472145AF8</cusip>         <value>7430500</value>         <shrsOrPrnAmt><sshPrnamt>7000000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>7000000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G50871105</cusip>         <value>569508</value>         <shrsOrPrnAmt><sshPrnamt>4321</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4321</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G50871105</cusip>         <value>11282344</value>         <shrsOrPrnAmt><sshPrnamt>85602</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>85415</Sole>             <Shared>0</Shared>             <None>187</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G50871105</cusip>         <value>92655</value>         <shrsOrPrnAmt><sshPrnamt>703</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>703</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G50871105</cusip>         <value>2191702</value>         <shrsOrPrnAmt><sshPrnamt>16629</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>16629</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G50871105</cusip>         <value>11779098</value>         <shrsOrPrnAmt><sshPrnamt>89371</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>89371</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G50871105</cusip>         <value>3170317</value>         <shrsOrPrnAmt><sshPrnamt>24054</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>23895</Sole>             <Shared>0</Shared>             <None>159</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G50871105</cusip>         <value>15352328</value>         <shrsOrPrnAmt><sshPrnamt>116482</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>116482</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBG SMITH PPTYS</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>46590V100</cusip>         <value>81435</value>         <shrsOrPrnAmt><sshPrnamt>3660</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3660</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBG SMITH PPTYS</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>46590V100</cusip>         <value>13083</value>         <shrsOrPrnAmt><sshPrnamt>588</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>357</Sole>             <Shared>0</Shared>             <None>231</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBG SMITH PPTYS</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>46590V100</cusip>         <value>175886</value>         <shrsOrPrnAmt><sshPrnamt>7905</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7905</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBS N.V.</nameOfIssuer>         <titleOfClass>CL A SHS</titleOfClass>         <cusip>N4732M103</cusip>         <value>53002</value>         <shrsOrPrnAmt><sshPrnamt>3550</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3550</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBS N.V.</nameOfIssuer>         <titleOfClass>CL A SHS</titleOfClass>         <cusip>N4732M103</cusip>         <value>6599</value>         <shrsOrPrnAmt><sshPrnamt>442</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>400</Sole>             <Shared>0</Shared>             <None>42</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBS N.V.</nameOfIssuer>         <titleOfClass>CL A SHS</titleOfClass>         <cusip>N4732M103</cusip>         <value>18812</value>         <shrsOrPrnAmt><sshPrnamt>1260</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1260</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBS N.V.</nameOfIssuer>         <titleOfClass>CL A SHS</titleOfClass>         <cusip>N4732M103</cusip>         <value>4974915</value>         <shrsOrPrnAmt><sshPrnamt>333216</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>333216</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBS N.V.</nameOfIssuer>         <titleOfClass>CL A SHS</titleOfClass>         <cusip>N4732M103</cusip>         <value>32473</value>         <shrsOrPrnAmt><sshPrnamt>2175</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2175</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBT MAREL CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477839104</cusip>         <value>433429</value>         <shrsOrPrnAmt><sshPrnamt>3086</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3086</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBT MAREL CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477839104</cusip>         <value>858852</value>         <shrsOrPrnAmt><sshPrnamt>6115</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6006</Sole>             <Shared>0</Shared>             <None>109</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBT MAREL CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477839104</cusip>         <value>191995</value>         <shrsOrPrnAmt><sshPrnamt>1367</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1367</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBT MAREL CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477839104</cusip>         <value>10672093</value>         <shrsOrPrnAmt><sshPrnamt>75985</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>75985</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JBT MAREL CORPORATION</nameOfIssuer>         <titleOfClass>NOTE  0.250% 5/1</titleOfClass>         <cusip>477839AB0</cusip>         <value>8141310</value>         <shrsOrPrnAmt><sshPrnamt>8100000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>8100000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JEFFERIES FINL GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>47233W109</cusip>         <value>769666</value>         <shrsOrPrnAmt><sshPrnamt>11765</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11765</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JEFFERIES FINL GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>47233W109</cusip>         <value>212680</value>         <shrsOrPrnAmt><sshPrnamt>3251</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2820</Sole>             <Shared>0</Shared>             <None>431</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JEFFERIES FINL GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>47233W109</cusip>         <value>173559</value>         <shrsOrPrnAmt><sshPrnamt>2653</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2653</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JEFFERIES FINL GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>47233W109</cusip>         <value>111214</value>         <shrsOrPrnAmt><sshPrnamt>1700</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1700</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JEFFERIES FINL GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>47233W109</cusip>         <value>7981</value>         <shrsOrPrnAmt><sshPrnamt>122</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>122</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JETBLUE AWYS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477143101</cusip>         <value>84929</value>         <shrsOrPrnAmt><sshPrnamt>17262</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>17262</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JETBLUE AWYS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477143101</cusip>         <value>1938</value>         <shrsOrPrnAmt><sshPrnamt>394</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>34</Sole>             <Shared>0</Shared>             <None>360</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JETBLUE AWYS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477143101</cusip>         <value>25638</value>         <shrsOrPrnAmt><sshPrnamt>5211</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5211</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JETBLUE AWYS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477143101</cusip>         <value>344</value>         <shrsOrPrnAmt><sshPrnamt>70</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>70</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JETBLUE AWYS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477143101</cusip>         <value>777134</value>         <shrsOrPrnAmt><sshPrnamt>157954</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>157954</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JETBLUE AWYS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>477143101</cusip>         <value>1968000</value>         <shrsOrPrnAmt><sshPrnamt>400000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>400000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>G65163100</cusip>         <value>63091</value>         <shrsOrPrnAmt><sshPrnamt>3909</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3835</Sole>             <Shared>0</Shared>             <None>74</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>G65163100</cusip>         <value>96453</value>         <shrsOrPrnAmt><sshPrnamt>5976</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5976</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>G65163100</cusip>         <value>80700</value>         <shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>G65163100</cusip>         <value>107654</value>         <shrsOrPrnAmt><sshPrnamt>6670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>6670</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>G65163100</cusip>         <value>2195</value>         <shrsOrPrnAmt><sshPrnamt>136</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>136</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>G65163100</cusip>         <value>1614</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>478160104</cusip>         <value>241576857</value>         <shrsOrPrnAmt><sshPrnamt>1302863</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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<infoTable><nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>524660107</cusip>         <value>714423</value>         <shrsOrPrnAmt><sshPrnamt>80453</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>66033</Sole>             <Shared>0</Shared>             <None>14420</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>524660107</cusip>         <value>133875</value>         <shrsOrPrnAmt><sshPrnamt>15076</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10289</Sole>             <Shared>0</Shared>             <None>1219</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LENNOX INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>526107107</cusip>         <value>10587</value>         <shrsOrPrnAmt><sshPrnamt>20</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>1</Sole>             <Shared>0</Shared>             <None>19</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LENNOX INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>526107107</cusip>         <value>387492</value>         <shrsOrPrnAmt><sshPrnamt>732</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>732</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LENNOX INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>526107107</cusip>         <value>23821</value>         <shrsOrPrnAmt><sshPrnamt>45</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>45</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LENNOX INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>526107107</cusip>         <value>89991</value>         <shrsOrPrnAmt><sshPrnamt>170</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>170</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LENNOX INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>526107107</cusip>         <value>3154456</value>         <shrsOrPrnAmt><sshPrnamt>5959</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>5959</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LEONARDO DRS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>52661A108</cusip>         <value>17434</value>         <shrsOrPrnAmt><sshPrnamt>384</sshPrnamt>             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     <value>210925</value>         <shrsOrPrnAmt><sshPrnamt>4079</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4079</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LGI HOMES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>50187T106</cusip>         <value>89975</value>         <shrsOrPrnAmt><sshPrnamt>1740</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1740</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LGI HOMES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>50187T106</cusip>         <value>413680</value>         <shrsOrPrnAmt><sshPrnamt>8000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>8000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY BROADBAND CORP</nameOfIssuer>         <titleOfClass>COM SER A</titleOfClass>         <cusip>530307107</cusip>         <value>64850</value>         <shrsOrPrnAmt><sshPrnamt>1024</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>949</Sole>             <Shared>0</Shared>             <None>75</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY BROADBAND CORP</nameOfIssuer>         <titleOfClass>COM SER A</titleOfClass>       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SER C</titleOfClass>         <cusip>530307305</cusip>         <value>1593710</value>         <shrsOrPrnAmt><sshPrnamt>25082</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>24969</Sole>             <Shared>0</Shared>             <None>113</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY BROADBAND CORP</nameOfIssuer>         <titleOfClass>COM SER C</titleOfClass>         <cusip>530307305</cusip>         <value>336762</value>         <shrsOrPrnAmt><sshPrnamt>5300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5300</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY BROADBAND 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<infoTable><nameOfIssuer>LIBERTY ENERGY INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>53115L104</cusip>         <value>123548</value>         <shrsOrPrnAmt><sshPrnamt>10012</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>10012</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY ENERGY INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>53115L104</cusip>         <value>130101</value>         <shrsOrPrnAmt><sshPrnamt>10543</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10390</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>COM LBTY LIV S C</titleOfClass>         <cusip>531229722</cusip>         <value>10667</value>         <shrsOrPrnAmt><sshPrnamt>110</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>51</Sole>             <Shared>0</Shared>             <None>59</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>COM LBTY LIV S C</titleOfClass>         <cusip>531229722</cusip>         <value>45867</value>         <shrsOrPrnAmt><sshPrnamt>473</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>    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<cusip>531229755</cusip>         <value>1156575</value>         <shrsOrPrnAmt><sshPrnamt>11073</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11073</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>COM LBTY ONE S C</titleOfClass>         <cusip>531229755</cusip>         <value>105599</value>         <shrsOrPrnAmt><sshPrnamt>1011</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1011</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>COM LBTY ONE S C</titleOfClass>         <cusip>531229755</cusip>         <value>28202</value>         <shrsOrPrnAmt><sshPrnamt>270</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>270</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>COM LBTY ONE S A</titleOfClass>         <cusip>531229771</cusip>         <value>3904</value>         <shrsOrPrnAmt><sshPrnamt>41</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>41</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>COM LBTY ONE S A</titleOfClass>         <cusip>531229771</cusip>         <value>22662</value>         <shrsOrPrnAmt><sshPrnamt>238</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>36</Sole>             <Shared>0</Shared>             <None>202</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>COM LBTY ONE S A</titleOfClass>         <cusip>531229771</cusip>         <value>476</value>         <shrsOrPrnAmt><sshPrnamt>5</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>COM LBTY ONE S A</titleOfClass>         <cusip>531229771</cusip>         <value>94744</value>         <shrsOrPrnAmt><sshPrnamt>995</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>995</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>NOTE  3.750% 3/1</titleOfClass>         <cusip>531229AP7</cusip>         <value>7594299</value>         <shrsOrPrnAmt><sshPrnamt>7298000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>7298000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>         <titleOfClass>NOTE  2.250% 8/1</titleOfClass>         <cusip>531229AQ5</cusip>         <value>21410055</value>         <shrsOrPrnAmt><sshPrnamt>16150000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>16150000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIFEWAY FOODS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>531914109</cusip>         <value>199594</value>         <shrsOrPrnAmt><sshPrnamt>7190</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>7190</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIFEWAY FOODS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>531914109</cusip>         <value>2915</value>         <shrsOrPrnAmt><sshPrnamt>105</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>105</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIGAND PHARMACEUTICALS INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>53220K504</cusip>         <value>211328</value>         <shrsOrPrnAmt><sshPrnamt>1193</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1193</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIGAND PHARMACEUTICALS INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>53220K504</cusip>         <value>100970</value>         <shrsOrPrnAmt><sshPrnamt>570</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>528</Sole>             <Shared>0</Shared>             <None>42</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIGAND PHARMACEUTICALS INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>53220K504</cusip>         <value>364731</value>         <shrsOrPrnAmt><sshPrnamt>2059</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>533900106</cusip>         <value>927048</value>         <shrsOrPrnAmt><sshPrnamt>3931</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3931</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINCOLN ELEC HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>533900106</cusip>         <value>1364277</value>         <shrsOrPrnAmt><sshPrnamt>5785</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2071</Sole>             <Shared>0</Shared>             <None>3714</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINCOLN ELEC HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>533900106</cusip>         <value>600895</value>         <shrsOrPrnAmt><sshPrnamt>2548</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2548</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINCOLN ELEC HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>533900106</cusip>         <value>209653</value>         <shrsOrPrnAmt><sshPrnamt>889</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>889</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>17</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G54950103</cusip>         <value>147131250</value>         <shrsOrPrnAmt><sshPrnamt>309750</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>309750</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G54950103</cusip>         <value>42531975</value>         <shrsOrPrnAmt><sshPrnamt>89541</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>73242</Sole>             <Shared>0</Shared>             <None>16299</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G54950103</cusip>         <value>611800</value>         <shrsOrPrnAmt><sshPrnamt>1288</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>572</Sole>             <Shared>0</Shared>             <None>716</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G54950103</cusip>         <value>7386774</value>         <shrsOrPrnAmt><sshPrnamt>15551</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>15551</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G54950103</cusip>         <value>138218350</value>         <shrsOrPrnAmt><sshPrnamt>290986</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>290986</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G54950103</cusip>         <value>8160025</value>         <shrsOrPrnAmt><sshPrnamt>17179</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>17179</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G54950103</cusip>         <value>1972716</value>         <shrsOrPrnAmt><sshPrnamt>4153</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4153</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G54950103</cusip>         <value>3454388</value>         <shrsOrPrnAmt><sshPrnamt>7272</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>7222</Sole>             <Shared>0</Shared>             <None>50</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G54950103</cusip>         <value>104670525</value>         <shrsOrPrnAmt><sshPrnamt>220359</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>220359</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINEAGE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>53566V106</cusip>         <value>198223</value>         <shrsOrPrnAmt><sshPrnamt>5130</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4537</Sole>             <Shared>0</Shared>             <None>593</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINEAGE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>53566V106</cusip>         <value>348</value>         <shrsOrPrnAmt><sshPrnamt>9</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>9</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINEAGE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>53566V106</cusip>         <value>20634</value>         <shrsOrPrnAmt><sshPrnamt>534</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>534</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LINEAGE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>53566V106</cusip>         <value>109660</value>         <shrsOrPrnAmt><sshPrnamt>2838</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>2838</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>WAHED DOW JONES</titleOfClass>         <cusip>53656F268</cusip>         <value>33017</value>         <shrsOrPrnAmt><sshPrnamt>1198</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1198</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>ROUNDHILL BALL</titleOfClass>         <cusip>53656F417</cusip>         <value>31209</value>         <shrsOrPrnAmt><sshPrnamt>1515</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1515</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>ROUNDHILL BALL</titleOfClass>         <cusip>53656F417</cusip>         <value>49605</value>         <shrsOrPrnAmt><sshPrnamt>2408</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2408</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>WAHED FTSE ETF</titleOfClass>         <cusip>53656F607</cusip>         <value>21062</value>         <shrsOrPrnAmt><sshPrnamt>355</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>355</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>HORIZON KINETICS</titleOfClass>         <cusip>53656F623</cusip>         <value>80460</value>         <shrsOrPrnAmt><sshPrnamt>1800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1800</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>ROUNDHILL SPORTS</titleOfClass>         <cusip>53656F789</cusip>         <value>2077</value>         <shrsOrPrnAmt><sshPrnamt>87</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>87</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>TEUCRIUM 2X LONG</titleOfClass>         <cusip>53656G191</cusip>         <value>96900</value>         <shrsOrPrnAmt><sshPrnamt>3000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>ROUNDHILL MAGNIF</titleOfClass>         <cusip>53656G498</cusip>         <value>472116</value>         <shrsOrPrnAmt><sshPrnamt>7279</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7279</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>ROUNDHILL MAGNIF</titleOfClass>         <cusip>53656G498</cusip>         <value>48515</value>         <shrsOrPrnAmt><sshPrnamt>748</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>748</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LISTED FDS TR</nameOfIssuer>         <titleOfClass>HORIZON KINETICS</titleOfClass>         <cusip>53656G514</cusip>         <value>22603</value>         <shrsOrPrnAmt><sshPrnamt>700</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>700</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITHIA MTRS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>536797103</cusip>         <value>577332</value>         <shrsOrPrnAmt><sshPrnamt>1827</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1827</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITHIA MTRS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>536797103</cusip>         <value>144096</value>         <shrsOrPrnAmt><sshPrnamt>456</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>393</Sole>             <Shared>0</Shared>             <None>63</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITHIA MTRS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>536797103</cusip>         <value>80896</value>         <shrsOrPrnAmt><sshPrnamt>256</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>256</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITHIA MTRS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>536797103</cusip>         <value>8532</value>         <shrsOrPrnAmt><sshPrnamt>27</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>27</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITHIA MTRS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>536797103</cusip>         <value>316</value>         <shrsOrPrnAmt><sshPrnamt>1</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITHIUM AMERS CORP NEW</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>53681J103</cusip>         <value>12306</value>         <shrsOrPrnAmt><sshPrnamt>3000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITHIUM AMERS CORP NEW</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>53681J103</cusip>         <value>84821</value>         <shrsOrPrnAmt><sshPrnamt>20678</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>20678</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITHIUM AMERS CORP NEW</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>53681J103</cusip>         <value>22561</value>         <shrsOrPrnAmt><sshPrnamt>5500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>5500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>         <titleOfClass>POLEN CAP INTL G</titleOfClass>         <cusip>53700T736</cusip>         <value>83379</value>         <shrsOrPrnAmt><sshPrnamt>8908</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>8908</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>         <titleOfClass>POLEN CAPITAL GL</titleOfClass>         <cusip>53700T744</cusip>         <value>1545984</value>         <shrsOrPrnAmt><sshPrnamt>125792</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>125792</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>         <titleOfClass>IMGP DBI MANAGED</titleOfClass>         <cusip>53700T827</cusip>         <value>28949</value>         <shrsOrPrnAmt><sshPrnamt>1060</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1060</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITMAN GREGORY FDS TR</nameOfIssuer>         <titleOfClass>IMGP DBI MANAGED</titleOfClass>         <cusip>53700T827</cusip>         <value>610870</value>         <shrsOrPrnAmt><sshPrnamt>22368</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>22368</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITTELFUSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>537008104</cusip>         <value>451195</value>         <shrsOrPrnAmt><sshPrnamt>1742</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1742</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITTELFUSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>537008104</cusip>         <value>198402</value>         <shrsOrPrnAmt><sshPrnamt>766</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>722</Sole>             <Shared>0</Shared>             <None>44</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITTELFUSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>537008104</cusip>         <value>518</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITTELFUSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>537008104</cusip>         <value>72523</value>         <shrsOrPrnAmt><sshPrnamt>280</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>280</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITTELFUSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>537008104</cusip>         <value>518</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LITTELFUSE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>537008104</cusip>         <value>1875491</value>         <shrsOrPrnAmt><sshPrnamt>7241</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>7241</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIVANOVA PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G5509L101</cusip>         <value>208682</value>         <shrsOrPrnAmt><sshPrnamt>3984</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3984</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIVANOVA PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G5509L101</cusip>         <value>16762</value>         <shrsOrPrnAmt><sshPrnamt>320</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>101</Sole>             <Shared>0</Shared>             <None>219</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIVANOVA PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G5509L101</cusip>         <value>10686</value>         <shrsOrPrnAmt><sshPrnamt>204</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>204</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIVE NATION ENTERTAINMENT IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>538034109</cusip>         <value>7673264</value>         <shrsOrPrnAmt><sshPrnamt>46960</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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     <value>33470366</value>         <shrsOrPrnAmt><sshPrnamt>204837</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>204837</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIVE NATION ENTERTAINMENT IN</nameOfIssuer>         <titleOfClass>NOTE  3.125% 1/1</titleOfClass>         <cusip>538034BA6</cusip>         <value>16226000</value>         <shrsOrPrnAmt><sshPrnamt>10000000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10000000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIVEPERSON INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>538146101</cusip>         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<cusip>53815P108</cusip>         <value>81447</value>         <shrsOrPrnAmt><sshPrnamt>3001</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2816</Sole>             <Shared>0</Shared>             <None>185</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LIVERAMP HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>53815P108</cusip>         <value>210851</value>         <shrsOrPrnAmt><sshPrnamt>7769</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7769</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LKQ CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass> 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<titleOfClass>COM</titleOfClass>         <cusip>501889208</cusip>         <value>15636</value>         <shrsOrPrnAmt><sshPrnamt>512</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>512</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LKQ CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>501889208</cusip>         <value>149096</value>         <shrsOrPrnAmt><sshPrnamt>4882</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4882</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>LKQ CORP</nameOfIssuer>         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<infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574599106</cusip>         <value>4281261</value>         <shrsOrPrnAmt><sshPrnamt>60822</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>60822</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574599106</cusip>         <value>1313970</value>         <shrsOrPrnAmt><sshPrnamt>18667</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10833</Sole>             <Shared>0</Shared>             <None>7834</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574599106</cusip>         <value>14430</value>         <shrsOrPrnAmt><sshPrnamt>205</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>205</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574599106</cusip>         <value>290148</value>         <shrsOrPrnAmt><sshPrnamt>4122</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4122</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574599106</cusip>         <value>8224156</value>         <shrsOrPrnAmt><sshPrnamt>116837</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>116837</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574599106</cusip>         <value>9080</value>         <shrsOrPrnAmt><sshPrnamt>129</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>129</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574599106</cusip>         <value>2752742</value>         <shrsOrPrnAmt><sshPrnamt>39107</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>39107</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASIMO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574795100</cusip>         <value>486177</value>         <shrsOrPrnAmt><sshPrnamt>3295</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3295</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASIMO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574795100</cusip>         <value>115679</value>         <shrsOrPrnAmt><sshPrnamt>784</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>555</Sole>             <Shared>0</Shared>             <None>229</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASIMO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>574795100</cusip>         <value>135894</value>         <shrsOrPrnAmt><sshPrnamt>921</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>921</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTEC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576323109</cusip>         <value>930405</value>         <shrsOrPrnAmt><sshPrnamt>4372</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4372</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTEC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576323109</cusip>         <value>1519251</value>         <shrsOrPrnAmt><sshPrnamt>7139</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1030</Sole>             <Shared>0</Shared>             <None>6109</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTEC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576323109</cusip>         <value>638</value>         <shrsOrPrnAmt><sshPrnamt>3</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTEC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576323109</cusip>         <value>175355</value>         <shrsOrPrnAmt><sshPrnamt>824</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>824</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTEC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576323109</cusip>         <value>228984</value>         <shrsOrPrnAmt><sshPrnamt>1076</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1076</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTEC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576323109</cusip>         <value>17876</value>         <shrsOrPrnAmt><sshPrnamt>84</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>84</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERBRAND INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>57638P104</cusip>         <value>98525</value>         <shrsOrPrnAmt><sshPrnamt>7481</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7481</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERBRAND INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>57638P104</cusip>         <value>5426</value>         <shrsOrPrnAmt><sshPrnamt>412</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>30</Sole>             <Shared>0</Shared>             <None>382</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERBRAND INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>57638P104</cusip>         <value>35256</value>         <shrsOrPrnAmt><sshPrnamt>2677</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2677</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERBRAND INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>57638P104</cusip>         <value>14974</value>         <shrsOrPrnAmt><sshPrnamt>1137</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1137</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERBRAND INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>57638P104</cusip>         <value>3424</value>         <shrsOrPrnAmt><sshPrnamt>260</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>260</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERBRAND INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>57638P104</cusip>         <value>13130</value>         <shrsOrPrnAmt><sshPrnamt>997</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>997</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>57636Q104</cusip>         <value>198842325</value>         <shrsOrPrnAmt><sshPrnamt>349576</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>349576</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>57636Q104</cusip>         <value>42964495</value>         <shrsOrPrnAmt><sshPrnamt>75534</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>56885</Sole>             <Shared>0</Shared>             <None>18649</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>57636Q104</cusip>         <value>506241</value>         <shrsOrPrnAmt><sshPrnamt>890</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>290</Sole>             <Shared>0</Shared>             <None>600</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>57636Q104</cusip>         <value>13144630</value>         <shrsOrPrnAmt><sshPrnamt>23109</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>23109</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>57636Q104</cusip>         <value>617417659</value>         <shrsOrPrnAmt><sshPrnamt>1085455</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1085455</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>57636Q104</cusip>         <value>25387128</value>         <shrsOrPrnAmt><sshPrnamt>44632</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>44632</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>57636Q104</cusip>         <value>11094164</value>         <shrsOrPrnAmt><sshPrnamt>19504</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>19504</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>57636Q104</cusip>         <value>949344</value>         <shrsOrPrnAmt><sshPrnamt>1669</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1669</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>57636Q104</cusip>         <value>92654599</value>         <shrsOrPrnAmt><sshPrnamt>162892</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>162892</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATADOR RES CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576485205</cusip>         <value>374132</value>         <shrsOrPrnAmt><sshPrnamt>8327</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8327</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATADOR RES CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576485205</cusip>         <value>148134</value>         <shrsOrPrnAmt><sshPrnamt>3297</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2981</Sole>             <Shared>0</Shared>             <None>316</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATADOR RES CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576485205</cusip>         <value>405943</value>         <shrsOrPrnAmt><sshPrnamt>9035</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9035</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATADOR RES CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576485205</cusip>         <value>508832</value>         <shrsOrPrnAmt><sshPrnamt>11325</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>11325</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57667L107</cusip>         <value>2615022</value>         <shrsOrPrnAmt><sshPrnamt>74038</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>74038</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57667L107</cusip>         <value>461880</value>         <shrsOrPrnAmt><sshPrnamt>13077</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>9983</Sole>             <Shared>0</Shared>             <None>3094</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57667L107</cusip>         <value>24088</value>         <shrsOrPrnAmt><sshPrnamt>682</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>218</Sole>             <Shared>0</Shared>             <None>464</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57667L107</cusip>         <value>175540</value>         <shrsOrPrnAmt><sshPrnamt>4970</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4970</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57667L107</cusip>         <value>192777</value>         <shrsOrPrnAmt><sshPrnamt>5458</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5458</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57667L107</cusip>         <value>1809196</value>         <shrsOrPrnAmt><sshPrnamt>51223</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>51223</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATERION CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576690101</cusip>         <value>148355</value>         <shrsOrPrnAmt><sshPrnamt>1228</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1228</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATERION CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576690101</cusip>         <value>20779</value>         <shrsOrPrnAmt><sshPrnamt>172</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>134</Sole>             <Shared>0</Shared>             <None>38</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATERION CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>576690101</cusip>         <value>106917</value>         <shrsOrPrnAmt><sshPrnamt>885</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>885</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATSON INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57686G105</cusip>         <value>185645</value>         <shrsOrPrnAmt><sshPrnamt>1883</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1883</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATSON INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57686G105</cusip>         <value>243419</value>         <shrsOrPrnAmt><sshPrnamt>2469</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2450</Sole>             <Shared>0</Shared>             <None>19</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATSON INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57686G105</cusip>         <value>26324</value>         <shrsOrPrnAmt><sshPrnamt>267</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>267</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATSON INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>57686G105</cusip>         <value>12817</value>         <shrsOrPrnAmt><sshPrnamt>130</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>130</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATTEL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>577081102</cusip>         <value>386501</value>         <shrsOrPrnAmt><sshPrnamt>22965</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>22965</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATTEL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>577081102</cusip>         <value>156014</value>         <shrsOrPrnAmt><sshPrnamt>9270</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8486</Sole>             <Shared>0</Shared>             <None>784</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATTEL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>577081102</cusip>         <value>114158</value>         <shrsOrPrnAmt><sshPrnamt>6783</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6783</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATTEL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>577081102</cusip>         <value>5733594</value>         <shrsOrPrnAmt><sshPrnamt>340677</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>340677</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATTEL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>577081102</cusip>         <value>1245</value>         <shrsOrPrnAmt><sshPrnamt>74</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>74</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MATTEL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>577081102</cusip>         <value>121849</value>         <shrsOrPrnAmt><sshPrnamt>7240</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7240</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MAXIMUS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>577933104</cusip>         <value>366576</value>         <shrsOrPrnAmt><sshPrnamt>4012</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4012</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MAXIMUS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>577933104</cusip>         <value>112202</value>         <shrsOrPrnAmt><sshPrnamt>1228</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>463</Sole>             <Shared>0</Shared>             <None>765</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MAXIMUS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>577933104</cusip>         <value>814929</value>         <shrsOrPrnAmt><sshPrnamt>8919</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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         <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>         <titleOfClass>COM NON VTG</titleOfClass>         <cusip>579780206</cusip>         <value>12871410</value>         <shrsOrPrnAmt><sshPrnamt>192369</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>192369</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>         <titleOfClass>COM NON VTG</titleOfClass>         <cusip>579780206</cusip>         <value>1037774</value>         <shrsOrPrnAmt><sshPrnamt>15510</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3808</Sole>             <Shared>0</Shared>             <None>11702</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>         <titleOfClass>COM NON VTG</titleOfClass>         <cusip>579780206</cusip>         <value>16326</value>         <shrsOrPrnAmt><sshPrnamt>244</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>78</Sole>             <Shared>0</Shared>             <None>166</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>         <titleOfClass>COM NON VTG</titleOfClass>         <cusip>579780206</cusip>         <value>478072</value>         <shrsOrPrnAmt><sshPrnamt>7145</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>     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<cusip>580135101</cusip>         <value>1175208</value>         <shrsOrPrnAmt><sshPrnamt>3867</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>3867</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>580135101</cusip>         <value>43847984</value>         <shrsOrPrnAmt><sshPrnamt>144289</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>144289</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         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  <cusip>580589109</cusip>         <value>330903</value>         <shrsOrPrnAmt><sshPrnamt>2821</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2821</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58155Q103</cusip>         <value>31182032</value>         <shrsOrPrnAmt><sshPrnamt>40363</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>40363</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58155Q103</cusip>         <value>57252939</value>         <shrsOrPrnAmt><sshPrnamt>74110</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>70768</Sole>             <Shared>0</Shared>             <None>3342</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58155Q103</cusip>         <value>752454</value>         <shrsOrPrnAmt><sshPrnamt>974</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>689</Sole>             <Shared>0</Shared>             <None>285</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58155Q103</cusip>         <value>4479959</value>         <shrsOrPrnAmt><sshPrnamt>5799</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5799</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58155Q103</cusip>         <value>64285371</value>         <shrsOrPrnAmt><sshPrnamt>83213</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>83213</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58155Q103</cusip>         <value>36849385</value>         <shrsOrPrnAmt><sshPrnamt>47699</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>47699</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58155Q103</cusip>         <value>1268637</value>         <shrsOrPrnAmt><sshPrnamt>1642</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1642</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58155Q103</cusip>         <value>12793982</value>         <shrsOrPrnAmt><sshPrnamt>16561</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>16498</Sole>             <Shared>0</Shared>             <None>63</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58155Q103</cusip>         <value>20619093</value>         <shrsOrPrnAmt><sshPrnamt>26690</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>26690</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MDU RES GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>552690109</cusip>         <value>215857</value>         <shrsOrPrnAmt><sshPrnamt>12120</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>12120</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MDU RES GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>552690109</cusip>         <value>440174</value>         <shrsOrPrnAmt><sshPrnamt>24715</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>24291</Sole>             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         <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MDU RES GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>552690109</cusip>         <value>356</value>         <shrsOrPrnAmt><sshPrnamt>20</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>20</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58463J304</cusip>         <value>148298</value>         <shrsOrPrnAmt><sshPrnamt>29250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>29250</Sole>             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<votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>27128</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58463J304</cusip>         <value>1724</value>         <shrsOrPrnAmt><sshPrnamt>340</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>340</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58463J304</cusip>         <value>221772</value>         <shrsOrPrnAmt><sshPrnamt>43742</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>43742</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58463J304</cusip>         <value>152</value>         <shrsOrPrnAmt><sshPrnamt>30</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>30</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58463J304</cusip>         <value>284</value>         <shrsOrPrnAmt><sshPrnamt>56</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>56</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDIFAST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58470H101</cusip>         <value>237913</value>         <shrsOrPrnAmt><sshPrnamt>17404</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>17404</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDPACE HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58506Q109</cusip>         <value>815458</value>         <shrsOrPrnAmt><sshPrnamt>1586</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1586</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDPACE HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58506Q109</cusip>         <value>677149</value>         <shrsOrPrnAmt><sshPrnamt>1317</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>941</Sole>             <Shared>0</Shared>             <None>376</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDPACE HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58506Q109</cusip>         <value>130597</value>         <shrsOrPrnAmt><sshPrnamt>254</sshPrnamt>             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         <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>607243</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G5960L103</cusip>         <value>23425516</value>         <shrsOrPrnAmt><sshPrnamt>245963</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>220224</Sole>             <Shared>0</Shared>             <None>25739</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G5960L103</cusip>         <value>1864323</value>         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<infoTable><nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58733R102</cusip>         <value>1855530</value>         <shrsOrPrnAmt><sshPrnamt>794</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>794</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>58733R102</cusip>         <value>67771</value>         <shrsOrPrnAmt><sshPrnamt>29</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<infoTable><nameOfIssuer>MITSUBISHI UFJ FINL GROUP IN</nameOfIssuer>         <titleOfClass>SPONSORED ADS</titleOfClass>         <cusip>606822104</cusip>         <value>208479</value>         <shrsOrPrnAmt><sshPrnamt>13079</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>13079</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>MIZUHO FINANCIAL GROUP INC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>60687Y109</cusip>         <value>132325</value>         <shrsOrPrnAmt><sshPrnamt>19750</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1196</Sole>             <Shared>0</Shared>       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    <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NASDAQ INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>631103108</cusip>         <value>53473863</value>         <shrsOrPrnAmt><sshPrnamt>604566</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>604566</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATERA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>632307104</cusip>         <value>1751193</value>         <shrsOrPrnAmt><sshPrnamt>10879</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>10879</Sole>             <Shared>0</Shared>             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     <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL BEVERAGE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>635017106</cusip>         <value>27025</value>         <shrsOrPrnAmt><sshPrnamt>732</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>715</Sole>             <Shared>0</Shared>             <None>17</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL BEVERAGE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>635017106</cusip>         <value>121208</value>         <shrsOrPrnAmt><sshPrnamt>3283</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             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<votingAuthority><Sole>2236</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL BK HLDGS CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>633707104</cusip>         <value>118084</value>         <shrsOrPrnAmt><sshPrnamt>3056</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2982</Sole>             <Shared>0</Shared>             <None>74</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL BK HLDGS CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>633707104</cusip>         <value>6376</value>         <shrsOrPrnAmt><sshPrnamt>165</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>165</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>636180101</cusip>         <value>599112</value>         <shrsOrPrnAmt><sshPrnamt>6486</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6486</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>636180101</cusip>         <value>163772</value>         <shrsOrPrnAmt><sshPrnamt>1773</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>589</Sole>             <Shared>0</Shared>             <None>1184</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>636180101</cusip>         <value>252170</value>         <shrsOrPrnAmt><sshPrnamt>2730</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2730</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>636180101</cusip>         <value>76298</value>         <shrsOrPrnAmt><sshPrnamt>826</sshPrnamt>             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<shrsOrPrnAmt><sshPrnamt>3995</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2462</Sole>             <Shared>0</Shared>             <None>1533</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR NE</titleOfClass>         <cusip>636274409</cusip>         <value>88337870</value>         <shrsOrPrnAmt><sshPrnamt>1215603</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>1215603</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR NE</titleOfClass>         <cusip>636274409</cusip>         <value>139599</value>         <shrsOrPrnAmt><sshPrnamt>1921</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1921</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR NE</titleOfClass>         <cusip>636274409</cusip>         <value>8512854</value>         <shrsOrPrnAmt><sshPrnamt>117144</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>117144</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL GRID PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR NE</titleOfClass>         <cusip>636274409</cusip>         <value>114664</value>         <shrsOrPrnAmt><sshPrnamt>1578</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1578</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL HEALTH INVS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>63633D104</cusip>         <value>266882</value>         <shrsOrPrnAmt><sshPrnamt>3357</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3357</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL HEALTHCARE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>635906100</cusip>         <value>82991</value>         <shrsOrPrnAmt><sshPrnamt>683</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>683</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATIONAL HEALTHCARE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>635906100</cusip>         <value>574135</value>         <shrsOrPrnAmt><sshPrnamt>4725</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4703</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>1919</Sole>             <Shared>0</Shared>             <None>4665</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATWEST GROUP PLC</nameOfIssuer>         <titleOfClass>SPONS ADR</titleOfClass>         <cusip>639057207</cusip>         <value>41430676</value>         <shrsOrPrnAmt><sshPrnamt>2927963</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>2927963</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATWEST GROUP PLC</nameOfIssuer>         <titleOfClass>SPONS ADR</titleOfClass>         <cusip>639057207</cusip>         <value>200421</value>         <shrsOrPrnAmt><sshPrnamt>14164</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>14164</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATWEST GROUP PLC</nameOfIssuer>         <titleOfClass>SPONS ADR</titleOfClass>         <cusip>639057207</cusip>         <value>4343626</value>         <shrsOrPrnAmt><sshPrnamt>306970</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>306970</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NATWEST GROUP PLC</nameOfIssuer>         <titleOfClass>SPONS ADR</titleOfClass>         <cusip>639057207</cusip>         <value>247936</value>         <shrsOrPrnAmt><sshPrnamt>17522</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>62886E108</cusip>         <value>2347</value>         <shrsOrPrnAmt><sshPrnamt>187</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>65</Sole>             <Shared>0</Shared>             <None>122</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NCR VOYIX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>62886E108</cusip>         <value>22490</value>         <shrsOrPrnAmt><sshPrnamt>1792</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1792</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NCR VOYIX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>62886E108</cusip>         <value>1596360</value>         <shrsOrPrnAmt><sshPrnamt>127200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>127200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NCR VOYIX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>62886E108</cusip>         <value>1596360</value>         <shrsOrPrnAmt><sshPrnamt>127200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>127200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>       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<titleOfClass>COM</titleOfClass>         <cusip>64111Q104</cusip>         <value>226244</value>         <shrsOrPrnAmt><sshPrnamt>6985</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6985</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NETGEAR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>64111Q104</cusip>         <value>745</value>         <shrsOrPrnAmt><sshPrnamt>23</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>23</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NETSKOPE INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>64119N608</cusip>         <value>2273000</value>         <shrsOrPrnAmt><sshPrnamt>100000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>100000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NETSKOPE INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>64119N608</cusip>         <value>9092</value>         <shrsOrPrnAmt><sshPrnamt>400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEUBERGER BERMAN MUN FD INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>64124P101</cusip>         <value>8349</value>         <shrsOrPrnAmt><sshPrnamt>809</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>809</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEUBERGER BERMAN MUN FD INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>64124P101</cusip>         <value>148277</value>         <shrsOrPrnAmt><sshPrnamt>14368</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>14368</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEUROCRINE BIOSCIENCES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>64125C109</cusip>         <value>2859119</value>         <shrsOrPrnAmt><sshPrnamt>20367</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>20367</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEUROCRINE BIOSCIENCES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>64125C109</cusip>         <value>125921</value>         <shrsOrPrnAmt><sshPrnamt>897</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>413</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>39</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEUROCRINE BIOSCIENCES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>64125C109</cusip>         <value>14038</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEW FORTRESS ENERGY INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>644393100</cusip>         <value>86758</value>         <shrsOrPrnAmt><sshPrnamt>39257</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>39257</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEW FORTRESS ENERGY INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>644393100</cusip>         <value>108</value>         <shrsOrPrnAmt><sshPrnamt>49</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>49</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEW FORTRESS ENERGY INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>644393100</cusip>         <value>7735</value>         <shrsOrPrnAmt><sshPrnamt>3500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<infoTable><nameOfIssuer>NEW YORK TIMES CO</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>650111107</cusip>         <value>663085</value>         <shrsOrPrnAmt><sshPrnamt>11552</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11552</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEW YORK TIMES CO</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>650111107</cusip>         <value>166288</value>         <shrsOrPrnAmt><sshPrnamt>2897</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1994</Sole>             <Shared>0</Shared>             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<sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>38</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMARK GROUP INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>65158N102</cusip>         <value>3655</value>         <shrsOrPrnAmt><sshPrnamt>196</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>196</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMARK GROUP INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>65158N102</cusip>         <value>63522</value>         <shrsOrPrnAmt><sshPrnamt>3406</sshPrnamt>             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<shrsOrPrnAmt><sshPrnamt>2985</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2985</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMARKET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651587107</cusip>         <value>463798</value>         <shrsOrPrnAmt><sshPrnamt>560</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>560</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMARKET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651587107</cusip>         <value>43067</value>         <shrsOrPrnAmt><sshPrnamt>52</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>35</Sole>             <Shared>0</Shared>             <None>17</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMARKET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651587107</cusip>         <value>828</value>         <shrsOrPrnAmt><sshPrnamt>1</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>1</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMARKET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651587107</cusip>         <value>104354</value>         <shrsOrPrnAmt><sshPrnamt>126</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>126</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMARKET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651587107</cusip>         <value>801707</value>         <shrsOrPrnAmt><sshPrnamt>968</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>968</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMARKET CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651587107</cusip>         <value>23190</value>         <shrsOrPrnAmt><sshPrnamt>28</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>28</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>74763157</value>         <shrsOrPrnAmt><sshPrnamt>886765</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>886765</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>3939975</value>         <shrsOrPrnAmt><sshPrnamt>46732</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>22456</Sole>             <Shared>0</Shared>             <None>24276</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>42071</value>         <shrsOrPrnAmt><sshPrnamt>499</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>59</Sole>             <Shared>0</Shared>             <None>440</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>2032293</value>         <shrsOrPrnAmt><sshPrnamt>24105</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>24105</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>56762382</value>         <shrsOrPrnAmt><sshPrnamt>673258</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>673258</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>70989</value>         <shrsOrPrnAmt><sshPrnamt>842</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>842</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>1069074</value>         <shrsOrPrnAmt><sshPrnamt>12680</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12680</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>148891</value>         <shrsOrPrnAmt><sshPrnamt>1766</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1766</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>28798610</value>         <shrsOrPrnAmt><sshPrnamt>341580</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>341580</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>8431000</value>         <shrsOrPrnAmt><sshPrnamt>100000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWMONT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>651639106</cusip>         <value>84310</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>65249B109</cusip>         <value>3442130</value>         <shrsOrPrnAmt><sshPrnamt>112085</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>112085</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>65249B109</cusip>         <value>641808</value>         <shrsOrPrnAmt><sshPrnamt>20899</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6454</Sole>             <Shared>0</Shared>             <None>14445</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>65249B109</cusip>         <value>2580</value>         <shrsOrPrnAmt><sshPrnamt>84</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>69</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>65249B109</cusip>         <value>698775</value>         <shrsOrPrnAmt><sshPrnamt>22754</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>22754</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>65249B109</cusip>         <value>104045</value>         <shrsOrPrnAmt><sshPrnamt>3388</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3388</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>65249B109</cusip>         <value>2214252</value>         <shrsOrPrnAmt><sshPrnamt>72102</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>72102</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>65249B208</cusip>         <value>1145229</value>         <shrsOrPrnAmt><sshPrnamt>33147</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>33147</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>65249B208</cusip>         <value>229170</value>         <shrsOrPrnAmt><sshPrnamt>6633</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>516</Sole>             <Shared>0</Shared>             <None>6117</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>65249B208</cusip>         <value>17379</value>         <shrsOrPrnAmt><sshPrnamt>503</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>146</Sole>             <Shared>0</Shared>             <None>357</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>65249B208</cusip>         <value>47541</value>         <shrsOrPrnAmt><sshPrnamt>1376</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1376</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEWS CORP NEW</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>65249B208</cusip>         <value>736399</value>         <shrsOrPrnAmt><sshPrnamt>21314</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>21314</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXGEN ENERGY LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>65340P106</cusip>         <value>14917818</value>         <shrsOrPrnAmt><sshPrnamt>1666592</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1666592</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXGEN ENERGY LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>65340P106</cusip>         <value>805598</value>         <shrsOrPrnAmt><sshPrnamt>90000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>90000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXGEN ENERGY LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>65340P106</cusip>         <value>4976225</value>         <shrsOrPrnAmt><sshPrnamt>555935</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>555935</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXGEN ENERGY LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>65340P106</cusip>         <value>13427</value>         <shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>65336K103</cusip>         <value>398644</value>         <shrsOrPrnAmt><sshPrnamt>2016</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2016</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>65336K103</cusip>         <value>1471581</value>         <shrsOrPrnAmt><sshPrnamt>7442</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6072</Sole>             <Shared>0</Shared>             <None>1370</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>65336K103</cusip>         <value>146130</value>         <shrsOrPrnAmt><sshPrnamt>739</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>739</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>65336K103</cusip>         <value>2386920</value>         <shrsOrPrnAmt><sshPrnamt>12071</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>12071</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXSTAR MEDIA GROUP INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>65336K103</cusip>         <value>4944</value>         <shrsOrPrnAmt><sshPrnamt>25</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>25</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>65339F101</cusip>         <value>148957925</value>         <shrsOrPrnAmt><sshPrnamt>1973214</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1973214</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>65339F101</cusip>         <value>46024819</value>         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<value>3737721</value>         <shrsOrPrnAmt><sshPrnamt>49513</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>49513</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>65339F101</cusip>         <value>57632539</value>         <shrsOrPrnAmt><sshPrnamt>763446</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>763446</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         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INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>65473P105</cusip>         <value>50330015</value>         <shrsOrPrnAmt><sshPrnamt>1162356</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1162356</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NKARTA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>65487U108</cusip>         <value>57635</value>         <shrsOrPrnAmt><sshPrnamt>27843</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>27843</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NMI HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>629209305</cusip>         <value>177207</value>         <shrsOrPrnAmt><sshPrnamt>4622</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4622</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NMI HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>629209305</cusip>         <value>38762</value>         <shrsOrPrnAmt><sshPrnamt>1011</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>874</Sole>             <Shared>0</Shared>             <None>137</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NMI HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>629209305</cusip>         <value>106777</value>         <shrsOrPrnAmt><sshPrnamt>2785</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2785</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>629337106</cusip>         <value>103000</value>         <shrsOrPrnAmt><sshPrnamt>50000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>50000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NNN REIT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>637417106</cusip>         <value>572183</value>         <shrsOrPrnAmt><sshPrnamt>13441</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>13441</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NNN REIT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>637417106</cusip>         <value>284623</value>         <shrsOrPrnAmt><sshPrnamt>6686</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5884</Sole>             <Shared>0</Shared>             <None>802</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NNN REIT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>637417106</cusip>         <value>428297</value>         <shrsOrPrnAmt><sshPrnamt>10061</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>10061</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NNN REIT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>637417106</cusip>         <value>9323</value>         <shrsOrPrnAmt><sshPrnamt>219</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>219</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NNN REIT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>637417106</cusip>         <value>374148</value>         <shrsOrPrnAmt><sshPrnamt>8789</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>8789</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>         <titleOfClass>ORD SHS A</titleOfClass>         <cusip>G65431127</cusip>         <value>210403</value>         <shrsOrPrnAmt><sshPrnamt>7440</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7440</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>         <titleOfClass>ORD SHS A</titleOfClass>         <cusip>G65431127</cusip>         <value>13518</value>         <shrsOrPrnAmt><sshPrnamt>478</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>12</Sole>             <Shared>0</Shared>             <None>466</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>         <titleOfClass>ORD SHS A</titleOfClass>         <cusip>G65431127</cusip>         <value>65496</value>         <shrsOrPrnAmt><sshPrnamt>2316</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2316</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>         <titleOfClass>ORD SHS A</titleOfClass>         <cusip>G65431127</cusip>         <value>1934182</value>         <shrsOrPrnAmt><sshPrnamt>68394</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>68394</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>         <titleOfClass>*W EXP 02/04/202</titleOfClass>         <cusip>G65431135</cusip>         <value>868</value>         <shrsOrPrnAmt><sshPrnamt>50</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>50</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>         <titleOfClass>*W EXP 02/04/202</titleOfClass>         <cusip>G65431150</cusip>         <value>430</value>         <shrsOrPrnAmt><sshPrnamt>50</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>50</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOKIA CORP</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>654902204</cusip>         <value>1139277</value>         <shrsOrPrnAmt><sshPrnamt>236856</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>229943</Sole>             <Shared>0</Shared>             <None>6913</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOKIA CORP</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>654902204</cusip>         <value>102439</value>         <shrsOrPrnAmt><sshPrnamt>21297</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>21297</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOKIA CORP</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>654902204</cusip>         <value>123256</value>         <shrsOrPrnAmt><sshPrnamt>25625</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>25625</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOKIA CORP</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>654902204</cusip>         <value>28860</value>         <shrsOrPrnAmt><sshPrnamt>6000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>6000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOKIA CORP</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>654902204</cusip>         <value>44252</value>         <shrsOrPrnAmt><sshPrnamt>9200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9200</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOMURA HLDGS INC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>65535H208</cusip>         <value>73303</value>         <shrsOrPrnAmt><sshPrnamt>10083</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>349</Sole>             <Shared>0</Shared>             <None>9734</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOMURA HLDGS INC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>65535H208</cusip>         <value>131303</value>         <shrsOrPrnAmt><sshPrnamt>18061</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>18061</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOMURA HLDGS INC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>65535H208</cusip>         <value>189</value>         <shrsOrPrnAmt><sshPrnamt>26</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>26</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORDIC AMERICAN TANKERS LIMI</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G65773106</cusip>         <value>12152</value>         <shrsOrPrnAmt><sshPrnamt>3870</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3870</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORDIC AMERICAN TANKERS LIMI</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G65773106</cusip>         <value>81640</value>         <shrsOrPrnAmt><sshPrnamt>26000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>26000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORDSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655663102</cusip>         <value>3629838</value>         <shrsOrPrnAmt><sshPrnamt>15994</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>15994</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORDSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655663102</cusip>         <value>1269785</value>         <shrsOrPrnAmt><sshPrnamt>5595</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1224</Sole>             <Shared>0</Shared>             <None>4371</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORDSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655663102</cusip>         <value>454</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORDSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655663102</cusip>         <value>749843</value>         <shrsOrPrnAmt><sshPrnamt>3304</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3304</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORDSON CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655663102</cusip>         <value>3719030</value>         <shrsOrPrnAmt><sshPrnamt>16387</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>16387</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655844108</cusip>         <value>20047861</value>         <shrsOrPrnAmt><sshPrnamt>66735</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>66735</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655844108</cusip>         <value>15812381</value>         <shrsOrPrnAmt><sshPrnamt>52636</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>30356</Sole>             <Shared>18378</Shared>             <None>3902</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655844108</cusip>         <value>23132</value>         <shrsOrPrnAmt><sshPrnamt>77</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>9</Sole>             <Shared>0</Shared>             <None>68</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655844108</cusip>         <value>2016052</value>         <shrsOrPrnAmt><sshPrnamt>6711</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6711</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655844108</cusip>         <value>8857589</value>         <shrsOrPrnAmt><sshPrnamt>29485</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>29485</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655844108</cusip>         <value>5407</value>         <shrsOrPrnAmt><sshPrnamt>18</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>18</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>655844108</cusip>         <value>644126</value>         <shrsOrPrnAmt><sshPrnamt>2144</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<None>19920</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G66721104</cusip>         <value>684960</value>         <shrsOrPrnAmt><sshPrnamt>27810</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>27810</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G66721104</cusip>         <value>12315</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G66721104</cusip>         <value>9359</value>         <shrsOrPrnAmt><sshPrnamt>380</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>380</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G66721104</cusip>         <value>6779087</value>         <shrsOrPrnAmt><sshPrnamt>275237</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>275237</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G66721104</cusip>         <value>1724100</value>         <shrsOrPrnAmt><sshPrnamt>70000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>70000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G66721104</cusip>         <value>4926</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOUVEAU MONDE GRAPHITE INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>66979W842</cusip>         <value>136619</value>         <shrsOrPrnAmt><sshPrnamt>48888</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>48888</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOV INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>62955J103</cusip>         <value>350834</value>         <shrsOrPrnAmt><sshPrnamt>26478</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>26478</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOV INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>62955J103</cusip>         <value>41433</value>         <shrsOrPrnAmt><sshPrnamt>3127</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2280</Sole>             <Shared>0</Shared>             <None>847</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOV INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>62955J103</cusip>         <value>203878</value>         <shrsOrPrnAmt><sshPrnamt>15387</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>15387</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOV INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>62955J103</cusip>         <value>1193</value>         <shrsOrPrnAmt><sshPrnamt>90</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>90</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOV INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>62955J103</cusip>         <value>1424521</value>         <shrsOrPrnAmt><sshPrnamt>107511</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>107511</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOVA LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>M7516K103</cusip>         <value>2903040</value>         <shrsOrPrnAmt><sshPrnamt>10800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>10800</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOVA LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>M7516K103</cusip>         <value>37363</value>         <shrsOrPrnAmt><sshPrnamt>139</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>83</Sole>             <Shared>0</Shared>             <None>56</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOVA LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>M7516K103</cusip>         <value>22310</value>         <shrsOrPrnAmt><sshPrnamt>83</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>83</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOVA LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>M7516K103</cusip>         <value>33062</value>         <shrsOrPrnAmt><sshPrnamt>123</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<infoTable><nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>670100205</cusip>         <value>10690981</value>         <shrsOrPrnAmt><sshPrnamt>192665</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>192665</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>670100205</cusip>         <value>554789</value>         <shrsOrPrnAmt><sshPrnamt>9998</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6386</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTANIX INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>67059N108</cusip>         <value>7189942</value>         <shrsOrPrnAmt><sshPrnamt>96652</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>96652</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTANIX INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>67059N108</cusip>         <value>162542</value>         <shrsOrPrnAmt><sshPrnamt>2185</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2185</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTANIX INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>67059N108</cusip>         <value>1785360</value>         <shrsOrPrnAmt><sshPrnamt>24000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>24000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>197143698</value>         <shrsOrPrnAmt><sshPrnamt>3357712</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3357712</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>73745994</value>         <shrsOrPrnAmt><sshPrnamt>1256027</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1255723</Sole>             <Shared>0</Shared>             <None>304</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>97406</value>         <shrsOrPrnAmt><sshPrnamt>1659</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1659</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>1755540</value>         <shrsOrPrnAmt><sshPrnamt>29900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>29900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>111556</value>         <shrsOrPrnAmt><sshPrnamt>1900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>185103338</value>         <shrsOrPrnAmt><sshPrnamt>3152643</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3152643</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>68703250</value>         <shrsOrPrnAmt><sshPrnamt>1170140</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1170140</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>1535516</value>         <shrsOrPrnAmt><sshPrnamt>26153</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>26153</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>1761</value>         <shrsOrPrnAmt><sshPrnamt>30</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>30</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>400799156</value>         <shrsOrPrnAmt><sshPrnamt>6826331</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>6826331</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUTRIEN LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67077M108</cusip>         <value>52842</value>         <shrsOrPrnAmt><sshPrnamt>900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67071L106</cusip>         <value>21065</value>         <shrsOrPrnAmt><sshPrnamt>1714</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1011</Sole>             <Shared>0</Shared>             <None>703</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67071L106</cusip>         <value>147382</value>         <shrsOrPrnAmt><sshPrnamt>11992</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11992</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>670657105</cusip>         <value>21789</value>         <shrsOrPrnAmt><sshPrnamt>1913</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1913</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>670657105</cusip>         <value>368034</value>         <shrsOrPrnAmt><sshPrnamt>32312</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>32312</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN CALIFORNIA AMT QLT MU</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>670651108</cusip>         <value>13810</value>         <shrsOrPrnAmt><sshPrnamt>1090</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1090</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN CALIFORNIA AMT QLT MU</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>670651108</cusip>         <value>233419</value>         <shrsOrPrnAmt><sshPrnamt>18423</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>18423</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN FLOATING RATE INCOME FUND</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67072T108</cusip>         <value>928185</value>         <shrsOrPrnAmt><sshPrnamt>113470</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>113470</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN FLOATING RATE INCOME FUND</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67072T108</cusip>         <value>639881</value>         <shrsOrPrnAmt><sshPrnamt>78225</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>78225</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>         <titleOfClass>COM SH BEN INT</titleOfClass>         <cusip>67070X101</cusip>         <value>22143</value>         <shrsOrPrnAmt><sshPrnamt>1763</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1763</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>         <titleOfClass>COM SH BEN INT</titleOfClass>         <cusip>67070X101</cusip>         <value>372705</value>         <shrsOrPrnAmt><sshPrnamt>29674</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>29674</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066V101</cusip>         <value>21662</value>         <shrsOrPrnAmt><sshPrnamt>1853</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1853</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066V101</cusip>         <value>365055</value>         <shrsOrPrnAmt><sshPrnamt>31228</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>31228</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN S&amp;P 500 DYNAMIC OVERW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>6706EW100</cusip>         <value>251856</value>         <shrsOrPrnAmt><sshPrnamt>14400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>14400</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN VIRGINIA QLTY MUNCPL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67064R102</cusip>         <value>8584</value>         <shrsOrPrnAmt><sshPrnamt>740</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>740</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NUVEEN VIRGINIA QLTY MUNCPL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67064R102</cusip>         <value>148004</value>         <shrsOrPrnAmt><sshPrnamt>12759</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12759</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G6700G107</cusip>         <value>1132190</value>         <shrsOrPrnAmt><sshPrnamt>11478</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11478</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G6700G107</cusip>         <value>2042440</value>         <shrsOrPrnAmt><sshPrnamt>20706</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>13141</Sole>             <Shared>0</Shared>             <None>7565</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G6700G107</cusip>         <value>1776</value>         <shrsOrPrnAmt><sshPrnamt>18</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>7</Sole>             <Shared>0</Shared>             <None>11</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G6700G107</cusip>         <value>895553</value>         <shrsOrPrnAmt><sshPrnamt>9079</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9079</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G6700G107</cusip>         <value>14796</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G6700G107</cusip>         <value>163489</value>         <shrsOrPrnAmt><sshPrnamt>1657</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1657</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G6700G107</cusip>         <value>7891200</value>         <shrsOrPrnAmt><sshPrnamt>80000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>80000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>127021798</value>         <shrsOrPrnAmt><sshPrnamt>680790</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>1</otherManager>         <votingAuthority><Sole>680790</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>2394520329</value>         <shrsOrPrnAmt><sshPrnamt>12833746</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>12833746</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>893529381</value>         <shrsOrPrnAmt><sshPrnamt>4788988</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4231349</Sole>             <Shared>0</Shared>             <None>557639</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>13667358</value>         <shrsOrPrnAmt><sshPrnamt>73252</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>52279</Sole>             <Shared>0</Shared>             <None>20973</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>134195910</value>         <shrsOrPrnAmt><sshPrnamt>719241</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>719241</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>809714846</value>         <shrsOrPrnAmt><sshPrnamt>4339773</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4339773</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>141531565</value>         <shrsOrPrnAmt><sshPrnamt>758557</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>758557</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>23994676</value>         <shrsOrPrnAmt><sshPrnamt>128603</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>128603</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>37955607</value>         <shrsOrPrnAmt><sshPrnamt>203428</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>202777</Sole>             <Shared>0</Shared>             <None>651</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>67066G104</cusip>         <value>1367985902</value>         <shrsOrPrnAmt><sshPrnamt>7331900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  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<votingAuthority><Sole>262148</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>670837103</cusip>         <value>664206</value>         <shrsOrPrnAmt><sshPrnamt>14355</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>14355</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>670837103</cusip>         <value>271466</value>         <shrsOrPrnAmt><sshPrnamt>5867</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4457</Sole>             <Shared>0</Shared>             <None>1410</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>670837103</cusip>         <value>183275</value>         <shrsOrPrnAmt><sshPrnamt>3961</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3961</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>670837103</cusip>         <value>2499</value>         <shrsOrPrnAmt><sshPrnamt>54</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>54</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>670837103</cusip>         <value>1338591</value>         <shrsOrPrnAmt><sshPrnamt>28930</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>28930</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OHIO VY BANC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>677719106</cusip>         <value>205720</value>         <shrsOrPrnAmt><sshPrnamt>5563</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5563</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OKLO INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>02156V109</cusip>         <value>4982717</value>         <shrsOrPrnAmt><sshPrnamt>44636</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>43797</Sole>             <Shared>0</Shared>             <None>839</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OKLO INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>02156V109</cusip>         <value>267912</value>         <shrsOrPrnAmt><sshPrnamt>2400</sshPrnamt>             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         <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>14510</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OKLO INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>02156V109</cusip>         <value>66978</value>         <shrsOrPrnAmt><sshPrnamt>600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>600</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OKLO INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>02156V109</cusip>         <value>6140</value>         <shrsOrPrnAmt><sshPrnamt>55</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>55</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OKLO INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>02156V109</cusip>         <value>40421223</value>         <shrsOrPrnAmt><sshPrnamt>362100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>362100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OKLO INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>02156V109</cusip>         <value>357216</value>         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DOMINION FREIGHT LINE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>679580100</cusip>         <value>18583</value>         <shrsOrPrnAmt><sshPrnamt>132</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>132</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>679580100</cusip>         <value>4841002</value>         <shrsOrPrnAmt><sshPrnamt>34387</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>34387</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>680033107</cusip>         <value>545611</value>         <shrsOrPrnAmt><sshPrnamt>24857</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>24857</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>680033107</cusip>         <value>45590</value>         <shrsOrPrnAmt><sshPrnamt>2077</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1338</Sole>             <Shared>0</Shared>             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       <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1383</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OSHKOSH CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>688239201</cusip>         <value>100258</value>         <shrsOrPrnAmt><sshPrnamt>773</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>773</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OSI SYSTEMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>671044105</cusip>         <value>232292</value>         <shrsOrPrnAmt><sshPrnamt>932</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>932</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OSI SYSTEMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>671044105</cusip>         <value>123623</value>         <shrsOrPrnAmt><sshPrnamt>496</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>425</Sole>             <Shared>0</Shared>             <None>71</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OSISKO DEVELOPMENT CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>68828E809</cusip>         <value>281570</value>         <shrsOrPrnAmt><sshPrnamt>82342</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>82342</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OSISKO DEVELOPMENT CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>68828E809</cusip>         <value>9462</value>         <shrsOrPrnAmt><sshPrnamt>2767</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2767</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OSISKO DEVELOPMENT CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>68828E809</cusip>         <value>85488</value>         <shrsOrPrnAmt><sshPrnamt>25000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>25000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>68902V107</cusip>         <value>12494915</value>         <shrsOrPrnAmt><sshPrnamt>136661</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>136661</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         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CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>68902V107</cusip>         <value>73510</value>         <shrsOrPrnAmt><sshPrnamt>804</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>804</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>68902V107</cusip>         <value>192643</value>         <shrsOrPrnAmt><sshPrnamt>2107</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2107</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>68902V107</cusip>         <value>84573</value>         <shrsOrPrnAmt><sshPrnamt>925</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>925</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>68902V107</cusip>         <value>8156013</value>         <shrsOrPrnAmt><sshPrnamt>89205</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>89205</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OTTER TAIL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>689648103</cusip>         <value>203695</value>         <shrsOrPrnAmt><sshPrnamt>2485</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2485</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>OTTER TAIL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>689648103</cusip>         <value>94347</value>         <shrsOrPrnAmt><sshPrnamt>1151</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8</Sole>             <Shared>0</Shared>             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   <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>63</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PENTAIR PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G7S00T104</cusip>         <value>638310</value>         <shrsOrPrnAmt><sshPrnamt>5763</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5763</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PENTAIR PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G7S00T104</cusip>         <value>92817</value>         <shrsOrPrnAmt><sshPrnamt>838</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>838</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PENTAIR PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G7S00T104</cusip>         <value>154146</value>         <shrsOrPrnAmt><sshPrnamt>1392</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1392</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PENTAIR PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G7S00T104</cusip>         <value>3392690</value>         <shrsOrPrnAmt><sshPrnamt>30631</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>30631</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PENUMBRA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>70975L107</cusip>         <value>2408313</value>         <shrsOrPrnAmt><sshPrnamt>9507</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>9507</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PENUMBRA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>70975L107</cusip>         <value>718922</value>         <shrsOrPrnAmt><sshPrnamt>2838</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>994</Sole>             <Shared>0</Shared>             <None>1844</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PENUMBRA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>70975L107</cusip>         <value>330329</value>         <shrsOrPrnAmt><sshPrnamt>1304</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1304</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PENUMBRA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>70975L107</cusip>         <value>899286</value>         <shrsOrPrnAmt><sshPrnamt>3550</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>3550</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PENUMBRA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>70975L107</cusip>         <value>4154448</value>         <shrsOrPrnAmt><sshPrnamt>16400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>16400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPGEN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713317105</cusip>         <value>92400</value>         <shrsOrPrnAmt><sshPrnamt>20000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>20000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPGEN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713317105</cusip>         <value>5</value>         <shrsOrPrnAmt><sshPrnamt>1</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713448108</cusip>         <value>163688859</value>         <shrsOrPrnAmt><sshPrnamt>1165543</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1165543</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713448108</cusip>         <value>53115812</value>         <shrsOrPrnAmt><sshPrnamt>378210</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>341373</Sole>             <Shared>4507</Shared>             <None>32330</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713448108</cusip>         <value>2918343</value>         <shrsOrPrnAmt><sshPrnamt>20780</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>19970</Sole>             <Shared>0</Shared>             <None>810</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713448108</cusip>         <value>4195926</value>         <shrsOrPrnAmt><sshPrnamt>29877</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>29877</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713448108</cusip>         <value>80332663</value>         <shrsOrPrnAmt><sshPrnamt>572007</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>572007</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713448108</cusip>         <value>1176325</value>         <shrsOrPrnAmt><sshPrnamt>8376</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>8376</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713448108</cusip>         <value>3077299</value>         <shrsOrPrnAmt><sshPrnamt>21912</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>21912</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713448108</cusip>         <value>467928</value>         <shrsOrPrnAmt><sshPrnamt>3332</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>3332</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>713448108</cusip>         <value>40007985</value>         <shrsOrPrnAmt><sshPrnamt>284876</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>284876</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERDOCEO ED CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71363P106</cusip>         <value>135764</value>         <shrsOrPrnAmt><sshPrnamt>3605</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3605</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERDOCEO ED CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71363P106</cusip>         <value>5122</value>         <shrsOrPrnAmt><sshPrnamt>136</sshPrnamt>             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<shrsOrPrnAmt><sshPrnamt>11155</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11155</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71377A103</cusip>         <value>170730</value>         <shrsOrPrnAmt><sshPrnamt>1641</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1200</Sole>             <Shared>0</Shared>             <None>441</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71377A103</cusip>         <value>423027</value>         <shrsOrPrnAmt><sshPrnamt>4066</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4066</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71377A103</cusip>         <value>613004</value>         <shrsOrPrnAmt><sshPrnamt>5892</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5892</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71377A103</cusip>         <value>27776807</value>         <shrsOrPrnAmt><sshPrnamt>266982</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>266982</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERMIAN RESOURCES CORP</nameOfIssuer>         <titleOfClass>CLASS A COM</titleOfClass>         <cusip>71424F105</cusip>         <value>659354</value>         <shrsOrPrnAmt><sshPrnamt>51512</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>51512</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERMIAN RESOURCES CORP</nameOfIssuer>         <titleOfClass>CLASS A COM</titleOfClass>         <cusip>71424F105</cusip>         <value>58560</value>         <shrsOrPrnAmt><sshPrnamt>4575</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3107</Sole>             <Shared>0</Shared>             <None>1468</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERMIAN RESOURCES CORP</nameOfIssuer>         <titleOfClass>CLASS A COM</titleOfClass>         <cusip>71424F105</cusip>         <value>93517</value>         <shrsOrPrnAmt><sshPrnamt>7306</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7306</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERMIAN RESOURCES CORP</nameOfIssuer>         <titleOfClass>CLASS A COM</titleOfClass>         <cusip>71424F105</cusip>         <value>12800</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERMIAN RESOURCES CORP</nameOfIssuer>         <titleOfClass>CLASS A COM</titleOfClass>         <cusip>71424F105</cusip>         <value>25600</value>         <shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>2000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERMIAN RESOURCES CORP</nameOfIssuer>         <titleOfClass>CLASS A COM</titleOfClass>         <cusip>71424F105</cusip>         <value>2790400</value>         <shrsOrPrnAmt><sshPrnamt>218000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>218000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERPETUA RESOURCES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>714266103</cusip>         <value>10358524</value>         <shrsOrPrnAmt><sshPrnamt>512044</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>512044</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERPETUA RESOURCES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>714266103</cusip>         <value>10115</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERPETUA RESOURCES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>714266103</cusip>         <value>702660</value>         <shrsOrPrnAmt><sshPrnamt>34734</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>34734</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERPETUA RESOURCES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>714266103</cusip>         <value>2023</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERPETUA RESOURCES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>714266103</cusip>         <value>4248248</value>         <shrsOrPrnAmt><sshPrnamt>210000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>210000</Sole>             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        <Shared>0</Shared>             <None>568</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G97822103</cusip>         <value>24274</value>         <shrsOrPrnAmt><sshPrnamt>1090</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1090</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G97822103</cusip>         <value>45</value>         <shrsOrPrnAmt><sshPrnamt>2</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2</Sole>     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    <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>20000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>718546104</cusip>         <value>21053448</value>         <shrsOrPrnAmt><sshPrnamt>154782</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>154782</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>718546104</cusip>         <value>9625047</value>         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<value>1663863</value>         <shrsOrPrnAmt><sshPrnamt>12232</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12232</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>718546104</cusip>         <value>786604</value>         <shrsOrPrnAmt><sshPrnamt>5783</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5783</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>718546104</cusip>         <value>43118</value>         <shrsOrPrnAmt><sshPrnamt>317</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>317</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>718546104</cusip>         <value>46296</value>         <shrsOrPrnAmt><sshPrnamt>340</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>340</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>718546104</cusip>         <value>312797</value>         <shrsOrPrnAmt><sshPrnamt>2300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>718546104</cusip>         <value>56984083</value>         <shrsOrPrnAmt><sshPrnamt>418939</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>418939</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHILLIPS EDISON &amp; CO INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>71844V201</cusip>         <value>255896</value>         <shrsOrPrnAmt><sshPrnamt>7454</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7454</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHILLIPS EDISON &amp; CO INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>71844V201</cusip>         <value>144220</value>         <shrsOrPrnAmt><sshPrnamt>4201</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4046</Sole>             <Shared>0</Shared>             <None>155</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHINIA INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>71880K101</cusip>         <value>125076</value>         <shrsOrPrnAmt><sshPrnamt>2176</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2176</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHINIA INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>71880K101</cusip>         <value>92025</value>         <shrsOrPrnAmt><sshPrnamt>1601</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1320</Sole>             <Shared>0</Shared>             <None>281</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHINIA INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>71880K101</cusip>         <value>63630</value>         <shrsOrPrnAmt><sshPrnamt>1107</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1107</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHINIA INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>71880K101</cusip>         <value>73517</value>         <shrsOrPrnAmt><sshPrnamt>1279</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1279</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHINIA INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>71880K101</cusip>         <value>36300</value>         <shrsOrPrnAmt><sshPrnamt>632</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>632</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHREESIA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71944F106</cusip>         <value>71712</value>         <shrsOrPrnAmt><sshPrnamt>3049</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2135</Sole>             <Shared>0</Shared>             <None>914</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHREESIA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71944F106</cusip>         <value>161559</value>         <shrsOrPrnAmt><sshPrnamt>6869</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6869</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHREESIA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71944F106</cusip>         <value>23520</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PHREESIA INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>71944F106</cusip>         <value>4704</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIEDMONT REALTY TRUST INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>720190206</cusip>         <value>231012</value>         <shrsOrPrnAmt><sshPrnamt>25668</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>25668</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PILGRIMS PRIDE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72147K108</cusip>         <value>124766</value>         <shrsOrPrnAmt><sshPrnamt>3064</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3064</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PILGRIMS PRIDE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72147K108</cusip>         <value>9121</value>         <shrsOrPrnAmt><sshPrnamt>224</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>103</Sole>             <Shared>0</Shared>             <None>121</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PILGRIMS PRIDE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72147K108</cusip>         <value>146266</value>         <shrsOrPrnAmt><sshPrnamt>3592</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3592</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PILGRIMS PRIDE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72147K108</cusip>         <value>8348</value>         <shrsOrPrnAmt><sshPrnamt>205</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>205</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO CALIF MUN INCOME FD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72200N106</cusip>         <value>15923</value>         <shrsOrPrnAmt><sshPrnamt>1826</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1826</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO CALIF MUN INCOME FD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72200N106</cusip>         <value>270957</value>         <shrsOrPrnAmt><sshPrnamt>31073</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>31073</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>72201Y101</cusip>         <value>200990</value>         <shrsOrPrnAmt><sshPrnamt>10151</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10151</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>72201Y101</cusip>         <value>3509926</value>         <shrsOrPrnAmt><sshPrnamt>177269</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>177269</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>72201Y101</cusip>         <value>5940</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>72201Y101</cusip>         <value>15840</value>         <shrsOrPrnAmt><sshPrnamt>800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>800</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>ULTRA SHORT GOVT</titleOfClass>         <cusip>72201R577</cusip>         <value>39970</value>         <shrsOrPrnAmt><sshPrnamt>395</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>395</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>MULTISECTOR BD</titleOfClass>         <cusip>72201R585</cusip>         <value>154035</value>         <shrsOrPrnAmt><sshPrnamt>5739</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5739</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>MULTISECTOR BD</titleOfClass>         <cusip>72201R585</cusip>         <value>311504</value>         <shrsOrPrnAmt><sshPrnamt>11606</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11606</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>ENHNCD LW DUR AC</titleOfClass>         <cusip>72201R718</cusip>         <value>5577</value>         <shrsOrPrnAmt><sshPrnamt>58</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>58</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>ENHNCD LW DUR AC</titleOfClass>         <cusip>72201R718</cusip>         <value>39902</value>         <shrsOrPrnAmt><sshPrnamt>415</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>415</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>ACTIVE BD ETF</titleOfClass>         <cusip>72201R775</cusip>         <value>28285</value>         <shrsOrPrnAmt><sshPrnamt>303</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>303</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>ACTIVE BD ETF</titleOfClass>         <cusip>72201R775</cusip>         <value>1385501</value>         <shrsOrPrnAmt><sshPrnamt>14842</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>14842</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>ACTIVE BD ETF</titleOfClass>         <cusip>72201R775</cusip>         <value>281450</value>         <shrsOrPrnAmt><sshPrnamt>3015</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>3015</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>ACTIVE BD ETF</titleOfClass>         <cusip>72201R775</cusip>         <value>2854884</value>         <shrsOrPrnAmt><sshPrnamt>30583</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>30583</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>0-5 HIGH YIELD</titleOfClass>         <cusip>72201R783</cusip>         <value>30618</value>         <shrsOrPrnAmt><sshPrnamt>320</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>320</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>0-5 HIGH YIELD</titleOfClass>         <cusip>72201R783</cusip>         <value>119600</value>         <shrsOrPrnAmt><sshPrnamt>1250</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1250</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>INV GRD CRP BD</titleOfClass>         <cusip>72201R817</cusip>         <value>119527</value>         <shrsOrPrnAmt><sshPrnamt>1212</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1212</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>INV GRD CRP BD</titleOfClass>         <cusip>72201R817</cusip>         <value>271205</value>         <shrsOrPrnAmt><sshPrnamt>2750</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2750</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>ENHAN SHRT MA AC</titleOfClass>         <cusip>72201R833</cusip>         <value>106631</value>         <shrsOrPrnAmt><sshPrnamt>1059</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1059</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIMCO ETF TR</nameOfIssuer>         <titleOfClass>ENHAN SHRT MA AC</titleOfClass>         <cusip>72201R833</cusip>         <value>4068279</value>         <shrsOrPrnAmt><sshPrnamt>40404</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>40404</Sole>       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  <value>9773</value>         <shrsOrPrnAmt><sshPrnamt>109</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>10</Sole>             <Shared>0</Shared>             <None>99</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PINNACLE WEST CAP CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>723484101</cusip>         <value>329769</value>         <shrsOrPrnAmt><sshPrnamt>3678</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3678</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PINNACLE WEST CAP CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         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<infoTable><nameOfIssuer>PINTEREST INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>72352L106</cusip>         <value>13930</value>         <shrsOrPrnAmt><sshPrnamt>433</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>433</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PINTEREST INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>72352L106</cusip>         <value>663345</value>         <shrsOrPrnAmt><sshPrnamt>20620</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>20620</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIPER SANDLER COMPANIES</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>724078100</cusip>         <value>342826</value>         <shrsOrPrnAmt><sshPrnamt>988</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>988</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PIPER SANDLER COMPANIES</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>724078100</cusip>         <value>152676</value>         <shrsOrPrnAmt><sshPrnamt>440</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>386</Sole>             <Shared>0</Shared>             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A</titleOfClass>         <cusip>72703H101</cusip>         <value>415</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLANET FITNESS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>72703H101</cusip>         <value>188812</value>         <shrsOrPrnAmt><sshPrnamt>1819</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1819</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLATINUM GROUP METALS LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72765Q882</cusip>         <value>4027</value>         <shrsOrPrnAmt><sshPrnamt>1540</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1540</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLATINUM GROUP METALS LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72765Q882</cusip>         <value>120287</value>         <shrsOrPrnAmt><sshPrnamt>46000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>46000</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLATINUM GROUP METALS LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72765Q882</cusip>         <value>39</value>         <shrsOrPrnAmt><sshPrnamt>15</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLAYBOY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>72814P109</cusip>         <value>73475</value>         <shrsOrPrnAmt><sshPrnamt>49983</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>49983</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLEXUS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>729132100</cusip>         <value>231504</value>         <shrsOrPrnAmt><sshPrnamt>1600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLEXUS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>729132100</cusip>         <value>50352</value>         <shrsOrPrnAmt><sshPrnamt>348</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>201</Sole>             <Shared>0</Shared>             <None>147</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLUG POWER INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>72919P202</cusip>         <value>440752</value>         <shrsOrPrnAmt><sshPrnamt>189164</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>189164</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLUG POWER INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>72919P202</cusip>         <value>4660</value>         <shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2000</Sole>             <Shared>0</Shared>             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      <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLYMOUTH INDL REIT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>729640102</cusip>         <value>8932</value>         <shrsOrPrnAmt><sshPrnamt>400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>26</Sole>             <Shared>0</Shared>             <None>374</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PLYMOUTH INDL REIT INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>729640102</cusip>         <value>2233000</value>         <shrsOrPrnAmt><sshPrnamt>100000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>100000</Sole>           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<votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>18259</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>742718109</cusip>         <value>6553393</value>         <shrsOrPrnAmt><sshPrnamt>42651</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>42477</Sole>             <Shared>0</Shared>             <None>174</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>742718109</cusip>         <value>71461847</value>         <shrsOrPrnAmt><sshPrnamt>465095</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>465095</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROFOUND MED CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>74319B502</cusip>         <value>13365</value>         <shrsOrPrnAmt><sshPrnamt>2736</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2736</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROFOUND MED CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>74319B502</cusip>         <value>43965</value>         <shrsOrPrnAmt><sshPrnamt>9000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>9000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROGRESS SOFTWARE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>743312100</cusip>         <value>116722</value>         <shrsOrPrnAmt><sshPrnamt>2657</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2657</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROGRESS SOFTWARE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>743312100</cusip>         <value>160784</value>         <shrsOrPrnAmt><sshPrnamt>3660</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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     <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>3007000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>743315103</cusip>         <value>113039881</value>         <shrsOrPrnAmt><sshPrnamt>457744</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>457744</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>743315103</cusip>         <value>32129924</value>         <shrsOrPrnAmt><sshPrnamt>130107</sshPrnamt>          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<titleOfClass>COM</titleOfClass>         <cusip>74340W103</cusip>         <value>160328</value>         <shrsOrPrnAmt><sshPrnamt>1400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>709</Sole>             <Shared>0</Shared>             <None>691</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROLOGIS INC.</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74340W103</cusip>         <value>2557575</value>         <shrsOrPrnAmt><sshPrnamt>22333</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>22333</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROLOGIS INC.</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74340W103</cusip>         <value>51841028</value>         <shrsOrPrnAmt><sshPrnamt>452681</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>452681</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROLOGIS INC.</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74340W103</cusip>         <value>14544</value>         <shrsOrPrnAmt><sshPrnamt>127</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>127</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROLOGIS INC.</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74340W103</cusip>         <value>613435</value>         <shrsOrPrnAmt><sshPrnamt>5357</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5357</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROLOGIS INC.</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74340W103</cusip>         <value>50756753</value>         <shrsOrPrnAmt><sshPrnamt>443213</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>443213</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROLOGIS INC.</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74340W103</cusip>         <value>1145200</value>         <shrsOrPrnAmt><sshPrnamt>10000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROMIS NEUROSCIENCES INC</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>74346M406</cusip>         <value>13057</value>         <shrsOrPrnAmt><sshPrnamt>30366</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>30366</Sole>             <Shared>0</Shared>             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     <None>124</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROS HOLDINGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74346Y103</cusip>         <value>2038990</value>         <shrsOrPrnAmt><sshPrnamt>89000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>89000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PROS HOLDINGS INC</nameOfIssuer>         <titleOfClass>DEBT  2.500% 7/0</titleOfClass>         <cusip>74346YAK9</cusip>         <value>3498660</value>         <shrsOrPrnAmt><sshPrnamt>3300000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>3300000</Sole>             <Shared>0</Shared>             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<titleOfClass>ADR</titleOfClass>         <cusip>74435K204</cusip>         <value>450891</value>         <shrsOrPrnAmt><sshPrnamt>16109</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>16109</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PRUDENTIAL PLC</nameOfIssuer>         <titleOfClass>ADR</titleOfClass>         <cusip>74435K204</cusip>         <value>21440</value>         <shrsOrPrnAmt><sshPrnamt>766</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>766</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PTC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>69370C100</cusip>         <value>7061645</value>         <shrsOrPrnAmt><sshPrnamt>34783</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>34783</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PTC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>69370C100</cusip>         <value>6546177</value>         <shrsOrPrnAmt><sshPrnamt>32244</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>28873</Sole>             <Shared>0</Shared>             <None>3371</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PTC INC</nameOfIssuer>   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<titleOfClass>COM</titleOfClass>         <cusip>69370C100</cusip>         <value>1232534</value>         <shrsOrPrnAmt><sshPrnamt>6071</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>6071</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PTC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>69370C100</cusip>         <value>6497</value>         <shrsOrPrnAmt><sshPrnamt>32</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>32</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PTC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>69370C100</cusip>         <value>3248</value>         <shrsOrPrnAmt><sshPrnamt>16</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>16</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PTC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>69370C100</cusip>         <value>242609</value>         <shrsOrPrnAmt><sshPrnamt>1195</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1195</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PTC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>69370C100</cusip>         <value>4656467</value>         <shrsOrPrnAmt><sshPrnamt>22936</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>22936</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74460D109</cusip>         <value>18677619</value>         <shrsOrPrnAmt><sshPrnamt>64662</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>64662</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>       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<infoTable><nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74460D109</cusip>         <value>15887</value>         <shrsOrPrnAmt><sshPrnamt>55</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>55</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>PUBLIC STORAGE OPER CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74460D109</cusip>         <value>82611</value>         <shrsOrPrnAmt><sshPrnamt>286</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<cusip>74758T303</cusip>         <value>339823</value>         <shrsOrPrnAmt><sshPrnamt>2568</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2568</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUALYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74758T303</cusip>         <value>46580</value>         <shrsOrPrnAmt><sshPrnamt>352</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>241</Sole>             <Shared>0</Shared>             <None>111</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUALYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74758T303</cusip>         <value>156414</value>         <shrsOrPrnAmt><sshPrnamt>1182</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1182</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUALYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74758T303</cusip>         <value>3044</value>         <shrsOrPrnAmt><sshPrnamt>23</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>23</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74762E102</cusip>         <value>21972963</value>         <shrsOrPrnAmt><sshPrnamt>53021</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>53021</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74762E102</cusip>         <value>59022525</value>         <shrsOrPrnAmt><sshPrnamt>142422</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>138451</Sole>             <Shared>0</Shared>             <None>3971</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74762E102</cusip>         <value>1011599</value>         <shrsOrPrnAmt><sshPrnamt>2441</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>1482</Sole>             <Shared>0</Shared>             <None>959</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74762E102</cusip>         <value>4933256</value>         <shrsOrPrnAmt><sshPrnamt>11904</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11904</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74762E102</cusip>         <value>21517930</value>         <shrsOrPrnAmt><sshPrnamt>51923</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>51923</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74762E102</cusip>         <value>9946</value>         <shrsOrPrnAmt><sshPrnamt>24</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>24</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74762E102</cusip>         <value>79983</value>         <shrsOrPrnAmt><sshPrnamt>193</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>193</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74762E102</cusip>         <value>11510930</value>         <shrsOrPrnAmt><sshPrnamt>27776</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>27776</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTUMSCAPE CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>74767V109</cusip>         <value>214664</value>         <shrsOrPrnAmt><sshPrnamt>17424</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>16806</Sole>             <Shared>0</Shared>             <None>618</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUANTUMSCAPE CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>74767V109</cusip>         <value>95320</value>         <shrsOrPrnAmt><sshPrnamt>7737</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>18</Sole>             <Shared>0</Shared>             <None>47</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74834L100</cusip>         <value>612334</value>         <shrsOrPrnAmt><sshPrnamt>3213</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3213</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74834L100</cusip>         <value>25157</value>         <shrsOrPrnAmt><sshPrnamt>132</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>132</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74834L100</cusip>         <value>52289</value>         <shrsOrPrnAmt><sshPrnamt>274</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>274</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74834L100</cusip>         <value>4210103</value>         <shrsOrPrnAmt><sshPrnamt>22091</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>22091</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUIDELORTHO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>219798105</cusip>         <value>120745</value>         <shrsOrPrnAmt><sshPrnamt>4100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUIDELORTHO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>219798105</cusip>         <value>129462</value>         <shrsOrPrnAmt><sshPrnamt>4396</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4318</Sole>             <Shared>0</Shared>             <None>78</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUIDELORTHO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>219798105</cusip>         <value>61963</value>         <shrsOrPrnAmt><sshPrnamt>2104</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2104</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUIDELORTHO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>219798105</cusip>         <value>1767</value>         <shrsOrPrnAmt><sshPrnamt>60</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>60</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUIDELORTHO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>219798105</cusip>         <value>2739</value>         <shrsOrPrnAmt><sshPrnamt>93</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>93</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>QUIDELORTHO CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>219798105</cusip>         <value>147</value>         <shrsOrPrnAmt><sshPrnamt>5</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RADIAN GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750236101</cusip>         <value>291173</value>         <shrsOrPrnAmt><sshPrnamt>8039</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8039</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RADIAN GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750236101</cusip>         <value>59944</value>         <shrsOrPrnAmt><sshPrnamt>1655</sshPrnamt>             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         <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4041</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RADNET INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750491102</cusip>         <value>99606</value>         <shrsOrPrnAmt><sshPrnamt>1307</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1099</Sole>             <Shared>0</Shared>             <None>208</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RADNET INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750491102</cusip>         <value>2210</value>         <shrsOrPrnAmt><sshPrnamt>29</sshPrnamt>      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            <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6690</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALLIANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750940108</cusip>         <value>131365</value>         <shrsOrPrnAmt><sshPrnamt>3004</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1642</Sole>             <Shared>0</Shared>             <None>1362</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALLIANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750940108</cusip>         <value>4154</value>         <shrsOrPrnAmt><sshPrnamt>95</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>22</Sole>             <Shared>0</Shared>             <None>73</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALLIANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750940108</cusip>         <value>126730</value>         <shrsOrPrnAmt><sshPrnamt>2898</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2898</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALLIANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750940108</cusip>         <value>1098191</value>         <shrsOrPrnAmt><sshPrnamt>25113</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>25113</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALLIANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750940108</cusip>         <value>4854</value>         <shrsOrPrnAmt><sshPrnamt>111</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>111</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALLIANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750940108</cusip>         <value>21122</value>         <shrsOrPrnAmt><sshPrnamt>483</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>483</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALLIANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750940108</cusip>         <value>1093</value>         <shrsOrPrnAmt><sshPrnamt>25</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>25</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALLIANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750940108</cusip>         <value>481</value>         <shrsOrPrnAmt><sshPrnamt>11</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>11</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>751212101</cusip>         <value>3588694</value>         <shrsOrPrnAmt><sshPrnamt>11445</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11445</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>751212101</cusip>         <value>1096206</value>         <shrsOrPrnAmt><sshPrnamt>3496</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2635</Sole>             <Shared>0</Shared>             <None>861</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>751212101</cusip>         <value>5331</value>         <shrsOrPrnAmt><sshPrnamt>17</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>15</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>751212101</cusip>         <value>578205</value>         <shrsOrPrnAmt><sshPrnamt>1844</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1844</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>751212101</cusip>         <value>2215615</value>         <shrsOrPrnAmt><sshPrnamt>7066</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7066</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>751212101</cusip>         <value>94068</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>751212101</cusip>         <value>2328183</value>         <shrsOrPrnAmt><sshPrnamt>7425</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>7425</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAMBUS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750917106</cusip>         <value>799110</value>         <shrsOrPrnAmt><sshPrnamt>7669</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>7669</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAMBUS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750917106</cusip>         <value>302701</value>         <shrsOrPrnAmt><sshPrnamt>2905</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2503</Sole>             <Shared>0</Shared>             <None>402</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAMBUS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750917106</cusip>         <value>729</value>         <shrsOrPrnAmt><sshPrnamt>7</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>7</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAMBUS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750917106</cusip>         <value>118371</value>         <shrsOrPrnAmt><sshPrnamt>1136</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1136</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAMBUS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>750917106</cusip>         <value>33552</value>         <shrsOrPrnAmt><sshPrnamt>322</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>322</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RANGE RES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75281A109</cusip>         <value>639315</value>         <shrsOrPrnAmt><sshPrnamt>16985</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>16985</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RANGE RES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75281A109</cusip>         <value>80474</value>         <shrsOrPrnAmt><sshPrnamt>2138</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1261</Sole>             <Shared>0</Shared>             <None>877</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RANGE RES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75281A109</cusip>         <value>527</value>         <shrsOrPrnAmt><sshPrnamt>14</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>14</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RANGE RES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75281A109</cusip>         <value>124701</value>         <shrsOrPrnAmt><sshPrnamt>3313</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3313</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RANGE RES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75281A109</cusip>         <value>177811</value>         <shrsOrPrnAmt><sshPrnamt>4724</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4724</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RANGE RES CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75281A109</cusip>         <value>4893</value>         <shrsOrPrnAmt><sshPrnamt>130</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>130</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAPID7 INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>753422104</cusip>         <value>5063</value>         <shrsOrPrnAmt><sshPrnamt>270</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>270</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAPID7 INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>753422104</cusip>         <value>22988</value>         <shrsOrPrnAmt><sshPrnamt>1226</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1226</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAPID7 INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>753422104</cusip>         <value>8906</value>         <shrsOrPrnAmt><sshPrnamt>475</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>475</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAPID7 INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>753422104</cusip>         <value>4249575</value>         <shrsOrPrnAmt><sshPrnamt>226644</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>226644</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAPID7 INC</nameOfIssuer>         <titleOfClass>NOTE  1.250% 3/1</titleOfClass>         <cusip>753422AH7</cusip>         <value>16189200</value>         <shrsOrPrnAmt><sshPrnamt>18000000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>18000000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754730109</cusip>         <value>10334252</value>         <shrsOrPrnAmt><sshPrnamt>59874</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>59874</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754730109</cusip>         <value>3181881</value>         <shrsOrPrnAmt><sshPrnamt>18435</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>12959</Sole>             <Shared>0</Shared>             <None>5476</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754730109</cusip>         <value>6731</value>         <shrsOrPrnAmt><sshPrnamt>39</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3</Sole>             <Shared>0</Shared>             <None>36</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754730109</cusip>         <value>507271</value>         <shrsOrPrnAmt><sshPrnamt>2939</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             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<votingAuthority><Sole>30</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754730109</cusip>         <value>57772</value>         <shrsOrPrnAmt><sshPrnamt>335</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>335</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754730109</cusip>         <value>31737515</value>         <shrsOrPrnAmt><sshPrnamt>183879</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>183879</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYONIER INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754907103</cusip>         <value>269301</value>         <shrsOrPrnAmt><sshPrnamt>10147</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>10147</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYONIER INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754907103</cusip>         <value>150216</value>         <shrsOrPrnAmt><sshPrnamt>5660</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>31</Sole>             <Shared>0</Shared>             <None>5629</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYONIER INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754907103</cusip>         <value>478</value>         <shrsOrPrnAmt><sshPrnamt>18</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>18</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYONIER INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754907103</cusip>         <value>40314</value>         <shrsOrPrnAmt><sshPrnamt>1519</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1519</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYONIER INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754907103</cusip>         <value>4565</value>         <shrsOrPrnAmt><sshPrnamt>172</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>172</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RAYONIER INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>754907103</cusip>         <value>1440804</value>         <shrsOrPrnAmt><sshPrnamt>54288</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>54288</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RB GLOBAL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74935Q107</cusip>         <value>94667898</value>         <shrsOrPrnAmt><sshPrnamt>874211</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>874211</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RB GLOBAL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>74935Q107</cusip>         <value>520764</value>         <shrsOrPrnAmt><sshPrnamt>4809</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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<infoTable><nameOfIssuer>REAL MESSENGER CORP.</nameOfIssuer>         <titleOfClass>SHS CL A</titleOfClass>         <cusip>G7410G106</cusip>         <value>50800</value>         <shrsOrPrnAmt><sshPrnamt>20000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>20000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>756109104</cusip>         <value>30933782</value>         <shrsOrPrnAmt><sshPrnamt>508863</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>508863</Sole>             <Shared>0</Shared>             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<infoTable><nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>759351604</cusip>         <value>2952270</value>         <shrsOrPrnAmt><sshPrnamt>15366</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>15366</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>759351604</cusip>         <value>672455</value>         <shrsOrPrnAmt><sshPrnamt>3500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>3500</Sole>             <Shared>0</Shared>             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<otherManager>3</otherManager>         <votingAuthority><Sole>851</Sole>             <Shared>0</Shared>             <None>2451</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RELX PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>759530108</cusip>         <value>30890834</value>         <shrsOrPrnAmt><sshPrnamt>646793</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>646793</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RELX PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>759530108</cusip>         <value>401948</value>         <shrsOrPrnAmt><sshPrnamt>8416</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>8416</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RELX PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>759530108</cusip>         <value>2160471</value>         <shrsOrPrnAmt><sshPrnamt>45236</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>45236</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RELX PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>759530108</cusip>         <value>228388</value>         <shrsOrPrnAmt><sshPrnamt>4782</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>4782</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REMITLY GLOBAL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75960P104</cusip>         <value>9829</value>         <shrsOrPrnAmt><sshPrnamt>603</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>576</Sole>             <Shared>0</Shared>             <None>27</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REMITLY GLOBAL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75960P104</cusip>         <value>5738</value>         <shrsOrPrnAmt><sshPrnamt>352</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>352</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REMITLY GLOBAL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75960P104</cusip>         <value>4484195</value>         <shrsOrPrnAmt><sshPrnamt>275104</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>275104</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REMITLY GLOBAL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75960P104</cusip>         <value>66830</value>         <shrsOrPrnAmt><sshPrnamt>4100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4100</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G7496G103</cusip>         <value>851427</value>         <shrsOrPrnAmt><sshPrnamt>3353</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3353</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G7496G103</cusip>         <value>87860</value>         <shrsOrPrnAmt><sshPrnamt>346</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>182</Sole>             <Shared>0</Shared>             <None>164</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G7496G103</cusip>         <value>131790</value>         <shrsOrPrnAmt><sshPrnamt>519</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>519</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G7496G103</cusip>         <value>2571041</value>         <shrsOrPrnAmt><sshPrnamt>10125</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>10125</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>G7496G103</cusip>         <value>8587405</value>         <shrsOrPrnAmt><sshPrnamt>33818</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>33818</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENASANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75970E107</cusip>         <value>209572</value>         <shrsOrPrnAmt><sshPrnamt>5681</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5681</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENASANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75970E107</cusip>         <value>7083</value>         <shrsOrPrnAmt><sshPrnamt>192</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>37</Sole>             <Shared>0</Shared>             <None>155</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENASANT CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75970E107</cusip>         <value>102001</value>         <shrsOrPrnAmt><sshPrnamt>2765</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2765</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENEW ENERGY GLOBAL PLC</nameOfIssuer>         <titleOfClass>CL A SHS</titleOfClass>         <cusip>G7500M104</cusip>         <value>102056</value>         <shrsOrPrnAmt><sshPrnamt>13254</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>13254</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENEW ENERGY GLOBAL PLC</nameOfIssuer>         <titleOfClass>CL A SHS</titleOfClass>         <cusip>G7500M104</cusip>         <value>2333</value>         <shrsOrPrnAmt><sshPrnamt>303</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>303</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENTOKIL INITIAL PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>760125104</cusip>         <value>33381</value>         <shrsOrPrnAmt><sshPrnamt>1322</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>306</Sole>             <Shared>0</Shared>             <None>1016</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENTOKIL INITIAL PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>760125104</cusip>         <value>19576754</value>         <shrsOrPrnAmt><sshPrnamt>775317</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>775317</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENTOKIL INITIAL PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>760125104</cusip>         <value>7070</value>         <shrsOrPrnAmt><sshPrnamt>280</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>280</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENTOKIL INITIAL PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>760125104</cusip>         <value>429</value>         <shrsOrPrnAmt><sshPrnamt>17</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>17</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RENTOKIL INITIAL PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>760125104</cusip>         <value>1958087</value>         <shrsOrPrnAmt><sshPrnamt>77548</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>77548</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPARE THERAPEUTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760273102</cusip>         <value>184657</value>         <shrsOrPrnAmt><sshPrnamt>104919</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>104919</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPAY HLDGS CORP</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76029L100</cusip>         <value>5078424</value>         <shrsOrPrnAmt><sshPrnamt>971018</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>971018</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPLIGEN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>759916109</cusip>         <value>775152</value>         <shrsOrPrnAmt><sshPrnamt>5799</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5799</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPLIGEN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>759916109</cusip>         <value>1146621</value>         <shrsOrPrnAmt><sshPrnamt>8578</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5365</Sole>             <Shared>0</Shared>             <None>3213</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPLIGEN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>759916109</cusip>         <value>114288</value>         <shrsOrPrnAmt><sshPrnamt>855</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>855</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPLIGEN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>759916109</cusip>         <value>943710</value>         <shrsOrPrnAmt><sshPrnamt>7060</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7060</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPLIGEN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>759916109</cusip>         <value>53067</value>         <shrsOrPrnAmt><sshPrnamt>397</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>397</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPLIGEN CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>759916109</cusip>         <value>2005</value>         <shrsOrPrnAmt><sshPrnamt>15</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760759100</cusip>         <value>89547456</value>         <shrsOrPrnAmt><sshPrnamt>390219</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>390219</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760759100</cusip>         <value>8881335</value>         <shrsOrPrnAmt><sshPrnamt>38702</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>30258</Sole>             <Shared>4350</Shared>             <None>4094</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760759100</cusip>         <value>29373</value>         <shrsOrPrnAmt><sshPrnamt>128</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3</Sole>             <Shared>0</Shared>             <None>125</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760759100</cusip>         <value>1321575</value>         <shrsOrPrnAmt><sshPrnamt>5759</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5759</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760759100</cusip>         <value>20052880</value>         <shrsOrPrnAmt><sshPrnamt>87384</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>87384</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760759100</cusip>         <value>114740</value>         <shrsOrPrnAmt><sshPrnamt>500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760759100</cusip>         <value>34474</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>150</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760759100</cusip>         <value>134246</value>         <shrsOrPrnAmt><sshPrnamt>585</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>585</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>760759100</cusip>         <value>13616884</value>         <shrsOrPrnAmt><sshPrnamt>59338</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>59338</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESIDEO TECHNOLOGIES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>76118Y104</cusip>         <value>350665</value>         <shrsOrPrnAmt><sshPrnamt>8121</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8121</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESIDEO TECHNOLOGIES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>76118Y104</cusip>         <value>21547</value>         <shrsOrPrnAmt><sshPrnamt>499</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>295</Sole>             <Shared>0</Shared>             <None>204</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESIDEO TECHNOLOGIES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>76118Y104</cusip>         <value>20770</value>         <shrsOrPrnAmt><sshPrnamt>481</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>481</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESIDEO TECHNOLOGIES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>76118Y104</cusip>         <value>191503</value>         <shrsOrPrnAmt><sshPrnamt>4435</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4435</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESIDEO TECHNOLOGIES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>76118Y104</cusip>         <value>8636</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESMED INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>761152107</cusip>         <value>18613093</value>         <shrsOrPrnAmt><sshPrnamt>67998</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>67998</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESMED INC</nameOfIssuer>       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INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>761152107</cusip>         <value>3006650</value>         <shrsOrPrnAmt><sshPrnamt>10984</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>10984</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESMED INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>761152107</cusip>         <value>7676484</value>         <shrsOrPrnAmt><sshPrnamt>28044</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>28044</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>76131D103</cusip>         <value>199219417</value>         <shrsOrPrnAmt><sshPrnamt>3106009</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3106009</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>76131D103</cusip>         <value>125586</value>         <shrsOrPrnAmt><sshPrnamt>1958</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1849</Sole>             <Shared>0</Shared>             <None>109</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>76131D103</cusip>         <value>56700</value>         <shrsOrPrnAmt><sshPrnamt>884</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>884</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>76131D103</cusip>         <value>8357442</value>         <shrsOrPrnAmt><sshPrnamt>130300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>130300</Sole>             <Shared>0</Shared>  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<cusip>76655K103</cusip>         <value>585046</value>         <shrsOrPrnAmt><sshPrnamt>19639</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>19639</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIGETTI COMPUTING INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>76655K103</cusip>         <value>16265</value>         <shrsOrPrnAmt><sshPrnamt>546</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>546</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIGETTI COMPUTING INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>76655K103</cusip>         <value>435887</value>         <shrsOrPrnAmt><sshPrnamt>14632</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>14632</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIGETTI COMPUTING INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>76655K103</cusip>         <value>11916000</value>         <shrsOrPrnAmt><sshPrnamt>400000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>400000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIGETTI COMPUTING INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>76655K103</cusip>         <value>6381018</value>         <shrsOrPrnAmt><sshPrnamt>214200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>214200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RINGCENTRAL INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>76680R206</cusip>         <value>2154</value>         <shrsOrPrnAmt><sshPrnamt>76</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>76</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RINGCENTRAL INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>76680R206</cusip>         <value>79352</value>         <shrsOrPrnAmt><sshPrnamt>2800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2800</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RINGCENTRAL INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>76680R206</cusip>         <value>23919</value>         <shrsOrPrnAmt><sshPrnamt>844</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>844</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RINGCENTRAL INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>76680R206</cusip>         <value>1657833</value>         <shrsOrPrnAmt><sshPrnamt>58498</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>58498</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIO TINTO PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>767204100</cusip>         <value>1121246</value>         <shrsOrPrnAmt><sshPrnamt>16986</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>16986</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIO TINTO PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>767204100</cusip>         <value>324373</value>         <shrsOrPrnAmt><sshPrnamt>4914</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3271</Sole>             <Shared>0</Shared>             <None>1643</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIO TINTO PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>767204100</cusip>         <value>78700026</value>         <shrsOrPrnAmt><sshPrnamt>1192244</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>1192244</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIO TINTO PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>767204100</cusip>         <value>291368</value>         <shrsOrPrnAmt><sshPrnamt>4414</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4414</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIO TINTO PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>767204100</cusip>         <value>52550693</value>         <shrsOrPrnAmt><sshPrnamt>796102</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>796102</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIO TINTO PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>767204100</cusip>         <value>1643847</value>         <shrsOrPrnAmt><sshPrnamt>24903</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>24903</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIO TINTO PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>767204100</cusip>         <value>198853</value>         <shrsOrPrnAmt><sshPrnamt>3012</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3012</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIO TINTO PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>767204100</cusip>         <value>83745</value>         <shrsOrPrnAmt><sshPrnamt>1269</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1269</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIO TINTO PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>767204100</cusip>         <value>118290</value>         <shrsOrPrnAmt><sshPrnamt>1792</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1792</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIOT PLATFORMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>767292105</cusip>         <value>25443</value>         <shrsOrPrnAmt><sshPrnamt>1337</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1180</Sole>             <Shared>0</Shared>             <None>157</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIOT PLATFORMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>767292105</cusip>         <value>332625</value>         <shrsOrPrnAmt><sshPrnamt>17479</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>17479</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIOT PLATFORMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>767292105</cusip>         <value>125598</value>         <shrsOrPrnAmt><sshPrnamt>6600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>6600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIOT PLATFORMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>767292105</cusip>         <value>5535827</value>         <shrsOrPrnAmt><sshPrnamt>290900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>290900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIOT PLATFORMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>767292105</cusip>         <value>6677627</value>         <shrsOrPrnAmt><sshPrnamt>350900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>350900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIOT PLATFORMS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>767292105</cusip>         <value>190300</value>         <shrsOrPrnAmt><sshPrnamt>10000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RITHM CAPITAL CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>64828T201</cusip>         <value>135792</value>         <shrsOrPrnAmt><sshPrnamt>11922</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8772</Sole>             <Shared>0</Shared>             <None>3150</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RITHM CAPITAL CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>64828T201</cusip>         <value>176864</value>         <shrsOrPrnAmt><sshPrnamt>15528</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>15528</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RITHM CAPITAL CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>64828T201</cusip>         <value>54957</value>         <shrsOrPrnAmt><sshPrnamt>4825</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4825</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RITHM CAPITAL CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>64828T201</cusip>         <value>114014</value>         <shrsOrPrnAmt><sshPrnamt>10010</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>10010</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RITHM CAPITAL CORP</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>64828T201</cusip>         <value>11027923</value>         <shrsOrPrnAmt><sshPrnamt>968211</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>968211</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>65860</value>         <shrsOrPrnAmt><sshPrnamt>5252</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5252</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>66374</value>         <shrsOrPrnAmt><sshPrnamt>5293</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3665</Sole>             <Shared>0</Shared>             <None>1628</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>451</value>         <shrsOrPrnAmt><sshPrnamt>36</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>36</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>678477</value>         <shrsOrPrnAmt><sshPrnamt>54105</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>54105</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>608215</value>         <shrsOrPrnAmt><sshPrnamt>48502</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>48502</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>325526</value>         <shrsOrPrnAmt><sshPrnamt>25959</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>25959</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>68970</value>         <shrsOrPrnAmt><sshPrnamt>5500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>10283</value>         <shrsOrPrnAmt><sshPrnamt>820</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>820</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>131444</value>         <shrsOrPrnAmt><sshPrnamt>10482</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10482</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>7980456</value>         <shrsOrPrnAmt><sshPrnamt>636400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>636400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>76954A103</cusip>         <value>3385800</value>         <shrsOrPrnAmt><sshPrnamt>270000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>270000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RLI CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749607107</cusip>         <value>427191</value>         <shrsOrPrnAmt><sshPrnamt>6550</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6550</Sole>             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<infoTable><nameOfIssuer>ROSS STORES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>778296103</cusip>         <value>7292928</value>         <shrsOrPrnAmt><sshPrnamt>47857</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>47857</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ROSS STORES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>778296103</cusip>         <value>52134</value>         <shrsOrPrnAmt><sshPrnamt>342</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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PHARMA PLC</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G7709Q104</cusip>         <value>54860</value>         <shrsOrPrnAmt><sshPrnamt>1555</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>181</Sole>             <Shared>0</Shared>             <None>1374</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G7709Q104</cusip>         <value>353</value>         <shrsOrPrnAmt><sshPrnamt>10</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>10</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G7709Q104</cusip>         <value>171037</value>         <shrsOrPrnAmt><sshPrnamt>4848</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4848</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>         <titleOfClass>SHS CLASS A</titleOfClass>         <cusip>G7709Q104</cusip>         <value>1239069</value>         <shrsOrPrnAmt><sshPrnamt>35121</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>35121</Sole>             <Shared>0</Shared>             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<None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RPC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749660106</cusip>         <value>22872</value>         <shrsOrPrnAmt><sshPrnamt>4805</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4805</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RPC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749660106</cusip>         <value>1200</value>         <shrsOrPrnAmt><sshPrnamt>252</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>252</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RPC INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749660106</cusip>         <value>53350</value>         <shrsOrPrnAmt><sshPrnamt>11208</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11208</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RPM INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749685103</cusip>         <value>1079074</value>         <shrsOrPrnAmt><sshPrnamt>9154</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>9154</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RPM INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749685103</cusip>         <value>1159821</value>         <shrsOrPrnAmt><sshPrnamt>9839</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4514</Sole>             <Shared>0</Shared>             <None>5325</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RPM INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749685103</cusip>         <value>472</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RPM INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749685103</cusip>         <value>265112</value>         <shrsOrPrnAmt><sshPrnamt>2249</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2249</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RPM INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749685103</cusip>         <value>199689</value>         <shrsOrPrnAmt><sshPrnamt>1694</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1694</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RPM INTL INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>749685103</cusip>         <value>23576</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75513E101</cusip>         <value>127657061</value>         <shrsOrPrnAmt><sshPrnamt>762906</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>762906</Sole>             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<votingAuthority><Sole>1022</Sole>             <Shared>0</Shared>             <None>1529</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75513E101</cusip>         <value>6136510</value>         <shrsOrPrnAmt><sshPrnamt>36673</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>36673</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75513E101</cusip>         <value>33860564</value>         <shrsOrPrnAmt><sshPrnamt>202358</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>202358</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75513E101</cusip>         <value>279441</value>         <shrsOrPrnAmt><sshPrnamt>1670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1670</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75513E101</cusip>         <value>1617914</value>         <shrsOrPrnAmt><sshPrnamt>9669</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9669</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75513E101</cusip>         <value>946283</value>         <shrsOrPrnAmt><sshPrnamt>5655</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>5655</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>75513E101</cusip>         <value>51110781</value>         <shrsOrPrnAmt><sshPrnamt>305449</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>305449</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RUBRIK INC.</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>781154109</cusip>         <value>2585118</value>         <shrsOrPrnAmt><sshPrnamt>31430</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>31430</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RUBRIK INC.</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>781154109</cusip>         <value>1044575</value>         <shrsOrPrnAmt><sshPrnamt>12700</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>12055</Sole>             <Shared>0</Shared>             <None>645</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RUBRIK INC.</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>781154109</cusip>         <value>2048354</value>         <shrsOrPrnAmt><sshPrnamt>24904</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>24904</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RUBRIK INC.</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>781154109</cusip>         <value>23980728</value>         <shrsOrPrnAmt><sshPrnamt>291559</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>291559</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RUSH ENTERPRISES INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>781846209</cusip>         <value>194096</value>         <shrsOrPrnAmt><sshPrnamt>3630</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3630</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RUSH ENTERPRISES INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>781846209</cusip>         <value>4385</value>         <shrsOrPrnAmt><sshPrnamt>82</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>30</Sole>             <Shared>0</Shared>             <None>52</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RUSH ENTERPRISES INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>781846209</cusip>         <value>188321</value>         <shrsOrPrnAmt><sshPrnamt>3522</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3522</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RXO INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>74982T103</cusip>         <value>149647</value>         <shrsOrPrnAmt><sshPrnamt>9730</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>9730</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RXO INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>74982T103</cusip>         <value>6183</value>         <shrsOrPrnAmt><sshPrnamt>402</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>35</Sole>             <Shared>0</Shared>             <None>367</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RXO INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>74982T103</cusip>         <value>8597</value>         <shrsOrPrnAmt><sshPrnamt>559</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>559</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RXO INC</nameOfIssuer>         <titleOfClass>COMMON STOCK</titleOfClass>         <cusip>74982T103</cusip>         <value>646</value>         <shrsOrPrnAmt><sshPrnamt>42</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>42</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RYAN SPECIALTY HOLDINGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>78351F107</cusip>         <value>452571</value>         <shrsOrPrnAmt><sshPrnamt>8030</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8030</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RYAN SPECIALTY HOLDINGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>78351F107</cusip>         <value>925713</value>         <shrsOrPrnAmt><sshPrnamt>16425</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4907</Sole>             <Shared>0</Shared>             <None>11518</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RYAN SPECIALTY HOLDINGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>78351F107</cusip>         <value>130530</value>         <shrsOrPrnAmt><sshPrnamt>2316</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2316</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RYAN SPECIALTY HOLDINGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>78351F107</cusip>         <value>62503</value>         <shrsOrPrnAmt><sshPrnamt>1109</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1109</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>783513203</cusip>         <value>18728</value>         <shrsOrPrnAmt><sshPrnamt>311</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>195</Sole>             <Shared>0</Shared>             <None>116</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>783513203</cusip>         <value>3839627</value>         <shrsOrPrnAmt><sshPrnamt>63760</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>63760</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>18639</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>783513203</cusip>         <value>1123344</value>         <shrsOrPrnAmt><sshPrnamt>18654</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>18654</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>         <titleOfClass>SPONSORED ADR</titleOfClass>         <cusip>783513203</cusip>         <value>602</value>         <shrsOrPrnAmt><sshPrnamt>10</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>        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<cusip>80013R206</cusip>         <value>11350458</value>         <shrsOrPrnAmt><sshPrnamt>907000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>907000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SANMINA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>801056102</cusip>         <value>364323</value>         <shrsOrPrnAmt><sshPrnamt>3165</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3165</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SANMINA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>801056102</cusip>         <value>70678</value>         <shrsOrPrnAmt><sshPrnamt>614</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>477</Sole>             <Shared>0</Shared>             <None>137</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SANMINA CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>801056102</cusip>         <value>151830</value>         <shrsOrPrnAmt><sshPrnamt>1319</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1319</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SANOFI SA</nameOfIssuer>         <titleOfClass>SPONSORED 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<infoTable><nameOfIssuer>SAP SE</nameOfIssuer>         <titleOfClass>SPON ADR</titleOfClass>         <cusip>803054204</cusip>         <value>41466717</value>         <shrsOrPrnAmt><sshPrnamt>155184</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>155184</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SAP SE</nameOfIssuer>         <titleOfClass>SPON ADR</titleOfClass>         <cusip>803054204</cusip>         <value>3544808</value>         <shrsOrPrnAmt><sshPrnamt>13266</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>13266</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>535</Sole>             <Shared>0</Shared>             <None>418</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>803607100</cusip>         <value>73187</value>         <shrsOrPrnAmt><sshPrnamt>3798</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3798</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>803607100</cusip>         <value>15416</value>         <shrsOrPrnAmt><sshPrnamt>800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>800</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>803607100</cusip>         <value>7708</value>         <shrsOrPrnAmt><sshPrnamt>400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>400</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>803607100</cusip>         <value>23124</value>         <shrsOrPrnAmt><sshPrnamt>1200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>7360</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>US SML CAP ETF</titleOfClass>         <cusip>808524607</cusip>         <value>24000</value>         <shrsOrPrnAmt><sshPrnamt>860</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>860</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>US SML CAP ETF</titleOfClass>         <cusip>808524607</cusip>         <value>1892674</value>         <shrsOrPrnAmt><sshPrnamt>67838</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>67838</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>HIGH YIELD BD ET</titleOfClass>         <cusip>808524631</cusip>         <value>321</value>         <shrsOrPrnAmt><sshPrnamt>12</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>HIGH YIELD BD ET</titleOfClass>         <cusip>808524631</cusip>         <value>29136</value>         <shrsOrPrnAmt><sshPrnamt>1090</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1090</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>INTERNL DIVID</titleOfClass>         <cusip>808524672</cusip>         <value>202453</value>         <shrsOrPrnAmt><sshPrnamt>7246</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>7246</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>5 10YR CORP BD</titleOfClass>         <cusip>808524698</cusip>         <value>15925</value>         <shrsOrPrnAmt><sshPrnamt>690</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>690</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>5 10YR CORP BD</titleOfClass>         <cusip>808524698</cusip>         <value>20310</value>         <shrsOrPrnAmt><sshPrnamt>880</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>880</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>         <cusip>808524706</cusip>         <value>103814</value>         <shrsOrPrnAmt><sshPrnamt>3111</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3111</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>         <cusip>808524706</cusip>         <value>6574</value>         <shrsOrPrnAmt><sshPrnamt>197</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>197</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>         <cusip>808524706</cusip>         <value>1057961</value>         <shrsOrPrnAmt><sshPrnamt>31704</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>31704</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>1000 INDEX ETF</titleOfClass>         <cusip>808524722</cusip>         <value>240861</value>         <shrsOrPrnAmt><sshPrnamt>7499</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>7499</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL EMER</titleOfClass>         <cusip>808524730</cusip>         <value>34027</value>         <shrsOrPrnAmt><sshPrnamt>941</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>941</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL EMER</titleOfClass>         <cusip>808524730</cusip>         <value>2676</value>         <shrsOrPrnAmt><sshPrnamt>74</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>74</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL EMER</titleOfClass>         <cusip>808524730</cusip>         <value>9257</value>         <shrsOrPrnAmt><sshPrnamt>256</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>256</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL EMER</titleOfClass>         <cusip>808524730</cusip>         <value>433956</value>         <shrsOrPrnAmt><sshPrnamt>12001</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>12001</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>         <cusip>808524748</cusip>         <value>76691</value>         <shrsOrPrnAmt><sshPrnamt>1723</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1723</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>         <cusip>808524748</cusip>         <value>178</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>         <cusip>808524748</cusip>         <value>4718</value>         <shrsOrPrnAmt><sshPrnamt>106</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>106</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>         <cusip>808524748</cusip>         <value>650380</value>         <shrsOrPrnAmt><sshPrnamt>14612</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>14612</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>         <cusip>808524755</cusip>         <value>241134</value>         <shrsOrPrnAmt><sshPrnamt>5613</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5613</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>         <cusip>808524755</cusip>         <value>9408</value>         <shrsOrPrnAmt><sshPrnamt>219</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>219</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>         <cusip>808524755</cusip>         <value>837290</value>         <shrsOrPrnAmt><sshPrnamt>19490</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>19490</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL US S</titleOfClass>         <cusip>808524763</cusip>         <value>86251</value>         <shrsOrPrnAmt><sshPrnamt>2768</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2768</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL US S</titleOfClass>         <cusip>808524763</cusip>         <value>8289</value>         <shrsOrPrnAmt><sshPrnamt>266</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>266</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL US S</titleOfClass>         <cusip>808524763</cusip>         <value>544085</value>         <shrsOrPrnAmt><sshPrnamt>17461</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>17461</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL US L</titleOfClass>         <cusip>808524771</cusip>         <value>329092</value>         <shrsOrPrnAmt><sshPrnamt>12513</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>12513</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL US L</titleOfClass>         <cusip>808524771</cusip>         <value>14439</value>         <shrsOrPrnAmt><sshPrnamt>549</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>549</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>FUNDAMENTAL US L</titleOfClass>         <cusip>808524771</cusip>         <value>1333305</value>         <shrsOrPrnAmt><sshPrnamt>50696</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>50696</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>US DIVIDEND EQ</titleOfClass>         <cusip>808524797</cusip>         <value>426344</value>         <shrsOrPrnAmt><sshPrnamt>15617</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>15617</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>US DIVIDEND EQ</titleOfClass>         <cusip>808524797</cusip>         <value>442307</value>         <shrsOrPrnAmt><sshPrnamt>16202</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>16202</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>US DIVIDEND EQ</titleOfClass>         <cusip>808524797</cusip>         <value>1037045</value>         <shrsOrPrnAmt><sshPrnamt>37987</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>37987</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>US DIVIDEND EQ</titleOfClass>         <cusip>808524797</cusip>         <value>110226</value>         <shrsOrPrnAmt><sshPrnamt>4038</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4038</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>US DIVIDEND EQ</titleOfClass>         <cusip>808524797</cusip>         <value>999272</value>         <shrsOrPrnAmt><sshPrnamt>36603</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>36603</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>INTL EQTY ETF</titleOfClass>         <cusip>808524805</cusip>         <value>911971</value>         <shrsOrPrnAmt><sshPrnamt>39174</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>39174</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>INTL EQTY ETF</titleOfClass>         <cusip>808524805</cusip>         <value>2519315</value>         <shrsOrPrnAmt><sshPrnamt>108218</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>108218</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>INTL EQTY ETF</titleOfClass>         <cusip>808524805</cusip>         <value>256653</value>         <shrsOrPrnAmt><sshPrnamt>11025</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>11025</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>INTL EQTY ETF</titleOfClass>         <cusip>808524805</cusip>         <value>2754082</value>         <shrsOrPrnAmt><sshPrnamt>118303</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>118303</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>         <titleOfClass>US AGGREGATE B</titleOfClass>         <cusip>808524839</cusip>         <value>12533</value>         <shrsOrPrnAmt><sshPrnamt>534</sshPrnamt>             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<sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>15666</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G7997R103</cusip>         <value>35409</value>         <shrsOrPrnAmt><sshPrnamt>150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G7997R103</cusip>         <value>82621</value>         <shrsOrPrnAmt><sshPrnamt>350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>350</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G7997R103</cusip>         <value>38724463</value>         <shrsOrPrnAmt><sshPrnamt>164045</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>164045</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>81211K100</cusip>         <value>308676</value>         <shrsOrPrnAmt><sshPrnamt>8732</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>8732</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>81211K100</cusip>         <value>2462057</value>         <shrsOrPrnAmt><sshPrnamt>69648</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>69140</Sole>             <Shared>0</Shared>             <None>508</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>81211K100</cusip>         <value>1025</value>         <shrsOrPrnAmt><sshPrnamt>29</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>29</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>81211K100</cusip>         <value>40900</value>         <shrsOrPrnAmt><sshPrnamt>1157</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1157</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>81211K100</cusip>         <value>1722075</value>         <shrsOrPrnAmt><sshPrnamt>48715</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>48715</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>81211K100</cusip>         <value>318</value>         <shrsOrPrnAmt><sshPrnamt>9</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>9</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEI INVTS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>784117103</cusip>         <value>568240</value>         <shrsOrPrnAmt><sshPrnamt>6697</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6697</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEI INVTS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>784117103</cusip>         <value>600229</value>         <shrsOrPrnAmt><sshPrnamt>7074</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>892</Sole>             <Shared>0</Shared>             <None>6182</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEI INVTS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>784117103</cusip>         <value>194816</value>         <shrsOrPrnAmt><sshPrnamt>2296</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2296</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEI INVTS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>784117103</cusip>         <value>7739762</value>         <shrsOrPrnAmt><sshPrnamt>91217</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>91217</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEI INVTS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>784117103</cusip>         <value>32243</value>         <shrsOrPrnAmt><sshPrnamt>380</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>380</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>81619Q105</cusip>         <value>84320</value>         <shrsOrPrnAmt><sshPrnamt>6567</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6567</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>81619Q105</cusip>         <value>13842</value>         <shrsOrPrnAmt><sshPrnamt>1078</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>795</Sole>             <Shared>0</Shared>             <None>283</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>81619Q105</cusip>         <value>99959</value>         <shrsOrPrnAmt><sshPrnamt>7785</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7785</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI MATERIALS</titleOfClass>         <cusip>81369Y100</cusip>         <value>73694526</value>         <shrsOrPrnAmt><sshPrnamt>822300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>822300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI MATERIALS</titleOfClass>         <cusip>81369Y100</cusip>         <value>2134659</value>         <shrsOrPrnAmt><sshPrnamt>23819</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>23819</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI MATERIALS</titleOfClass>         <cusip>81369Y100</cusip>         <value>6808431</value>         <shrsOrPrnAmt><sshPrnamt>75970</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>72385</Sole>             <Shared>3000</Shared>             <None>585</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI MATERIALS</titleOfClass>         <cusip>81369Y100</cusip>         <value>310892</value>         <shrsOrPrnAmt><sshPrnamt>3469</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3469</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI MATERIALS</titleOfClass>         <cusip>81369Y100</cusip>         <value>82057</value>         <shrsOrPrnAmt><sshPrnamt>916</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>916</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI MATERIALS</titleOfClass>         <cusip>81369Y100</cusip>         <value>189261</value>         <shrsOrPrnAmt><sshPrnamt>2112</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2112</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI MATERIALS</titleOfClass>         <cusip>81369Y100</cusip>         <value>29306</value>         <shrsOrPrnAmt><sshPrnamt>327</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>327</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI HEALTHCARE</titleOfClass>         <cusip>81369Y209</cusip>         <value>3451973</value>         <shrsOrPrnAmt><sshPrnamt>24804</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>24804</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI HEALTHCARE</titleOfClass>         <cusip>81369Y209</cusip>         <value>14827589</value>         <shrsOrPrnAmt><sshPrnamt>106543</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>106091</Sole>             <Shared>0</Shared>             <None>452</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI HEALTHCARE</titleOfClass>         <cusip>81369Y209</cusip>         <value>42361</value>         <shrsOrPrnAmt><sshPrnamt>304</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>304</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI HEALTHCARE</titleOfClass>         <cusip>81369Y209</cusip>         <value>16902057</value>         <shrsOrPrnAmt><sshPrnamt>121449</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>121449</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI HEALTHCARE</titleOfClass>         <cusip>81369Y209</cusip>         <value>33818</value>         <shrsOrPrnAmt><sshPrnamt>243</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>243</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI HEALTHCARE</titleOfClass>         <cusip>81369Y209</cusip>         <value>121087</value>         <shrsOrPrnAmt><sshPrnamt>870</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>870</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI HEALTHCARE</titleOfClass>         <cusip>81369Y209</cusip>         <value>138828</value>         <shrsOrPrnAmt><sshPrnamt>998</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>998</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI HEALTHCARE</titleOfClass>         <cusip>81369Y209</cusip>         <value>150999</value>         <shrsOrPrnAmt><sshPrnamt>1085</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1085</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS STPLS</titleOfClass>         <cusip>81369Y308</cusip>         <value>3666384</value>         <shrsOrPrnAmt><sshPrnamt>46783</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>46783</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS STPLS</titleOfClass>         <cusip>81369Y308</cusip>         <value>2361053</value>         <shrsOrPrnAmt><sshPrnamt>30127</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>29678</Sole>             <Shared>0</Shared>             <None>449</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS STPLS</titleOfClass>         <cusip>81369Y308</cusip>         <value>2336915</value>         <shrsOrPrnAmt><sshPrnamt>29819</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>29819</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS STPLS</titleOfClass>         <cusip>81369Y308</cusip>         <value>126881</value>         <shrsOrPrnAmt><sshPrnamt>1619</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1619</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS STPLS</titleOfClass>         <cusip>81369Y308</cusip>         <value>737773</value>         <shrsOrPrnAmt><sshPrnamt>9414</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9414</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS STPLS</titleOfClass>         <cusip>81369Y308</cusip>         <value>139734</value>         <shrsOrPrnAmt><sshPrnamt>1783</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1783</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS STPLS</titleOfClass>         <cusip>81369Y308</cusip>         <value>860111</value>         <shrsOrPrnAmt><sshPrnamt>10975</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>10975</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS DISCR</titleOfClass>         <cusip>81369Y407</cusip>         <value>6601363</value>         <shrsOrPrnAmt><sshPrnamt>27547</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>27547</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS DISCR</titleOfClass>         <cusip>81369Y407</cusip>         <value>5805998</value>         <shrsOrPrnAmt><sshPrnamt>24228</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>24228</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS DISCR</titleOfClass>         <cusip>81369Y407</cusip>         <value>1426577</value>         <shrsOrPrnAmt><sshPrnamt>5953</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5953</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS DISCR</titleOfClass>         <cusip>81369Y407</cusip>         <value>25079</value>         <shrsOrPrnAmt><sshPrnamt>105</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>105</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS DISCR</titleOfClass>         <cusip>81369Y407</cusip>         <value>86270</value>         <shrsOrPrnAmt><sshPrnamt>360</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>360</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS DISCR</titleOfClass>         <cusip>81369Y407</cusip>         <value>11087903</value>         <shrsOrPrnAmt><sshPrnamt>46269</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>46269</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS DISCR</titleOfClass>         <cusip>81369Y407</cusip>         <value>3594600</value>         <shrsOrPrnAmt><sshPrnamt>15000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>15000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI CONS DISCR</titleOfClass>         <cusip>81369Y407</cusip>         <value>3594600</value>         <shrsOrPrnAmt><sshPrnamt>15000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>15000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>10453405</value>         <shrsOrPrnAmt><sshPrnamt>117007</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>117007</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>12980566</value>         <shrsOrPrnAmt><sshPrnamt>145294</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>145038</Sole>             <Shared>0</Shared>             <None>256</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>1161420</value>         <shrsOrPrnAmt><sshPrnamt>13000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>13000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>947004</value>         <shrsOrPrnAmt><sshPrnamt>10600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>10600</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>28487756</value>         <shrsOrPrnAmt><sshPrnamt>318869</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>318869</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>1013652</value>         <shrsOrPrnAmt><sshPrnamt>11346</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>11346</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>339566</value>         <shrsOrPrnAmt><sshPrnamt>3801</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3801</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>263600</value>         <shrsOrPrnAmt><sshPrnamt>2951</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2951</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>50943455</value>         <shrsOrPrnAmt><sshPrnamt>570220</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>570220</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>45920760</value>         <shrsOrPrnAmt><sshPrnamt>514000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>514000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>ENERGY</titleOfClass>         <cusip>81369Y506</cusip>         <value>8925066</value>         <shrsOrPrnAmt><sshPrnamt>99900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>99900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>21295350</value>         <shrsOrPrnAmt><sshPrnamt>395310</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>395310</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>372888140</value>         <shrsOrPrnAmt><sshPrnamt>6922000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6922000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>14677151</value>         <shrsOrPrnAmt><sshPrnamt>272455</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>266910</Sole>             <Shared>0</Shared>             <None>5545</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>484830</value>         <shrsOrPrnAmt><sshPrnamt>9000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>9000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>1109696</value>         <shrsOrPrnAmt><sshPrnamt>20600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>20600</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>26701527</value>         <shrsOrPrnAmt><sshPrnamt>495666</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>495666</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>199804</value>         <shrsOrPrnAmt><sshPrnamt>3709</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>3709</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>96439</value>         <shrsOrPrnAmt><sshPrnamt>1790</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1790</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>182319</value>         <shrsOrPrnAmt><sshPrnamt>3384</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>3384</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>53870</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>5796520</value>         <shrsOrPrnAmt><sshPrnamt>107602</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>107602</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>FINANCIAL</titleOfClass>         <cusip>81369Y605</cusip>         <value>4040250</value>         <shrsOrPrnAmt><sshPrnamt>75000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>75000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>INDL</titleOfClass>         <cusip>81369Y704</cusip>         <value>164789974</value>         <shrsOrPrnAmt><sshPrnamt>1068469</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1068469</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>INDL</titleOfClass>         <cusip>81369Y704</cusip>         <value>21544851</value>         <shrsOrPrnAmt><sshPrnamt>139693</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>138481</Sole>             <Shared>0</Shared>             <None>1212</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>INDL</titleOfClass>         <cusip>81369Y704</cusip>         <value>178136</value>         <shrsOrPrnAmt><sshPrnamt>1155</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1155</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>INDL</titleOfClass>         <cusip>81369Y704</cusip>         <value>18631601</value>         <shrsOrPrnAmt><sshPrnamt>120804</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>120804</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>INDL</titleOfClass>         <cusip>81369Y704</cusip>         <value>19433</value>         <shrsOrPrnAmt><sshPrnamt>126</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>126</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>INDL</titleOfClass>         <cusip>81369Y704</cusip>         <value>2463884</value>         <shrsOrPrnAmt><sshPrnamt>15975</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>15975</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>INDL</titleOfClass>         <cusip>81369Y704</cusip>         <value>37478</value>         <shrsOrPrnAmt><sshPrnamt>243</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>243</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>INDL</titleOfClass>         <cusip>81369Y704</cusip>         <value>1055396</value>         <shrsOrPrnAmt><sshPrnamt>6843</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>6843</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>TECHNOLOGY</titleOfClass>         <cusip>81369Y803</cusip>         <value>5129852</value>         <shrsOrPrnAmt><sshPrnamt>18200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>18200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>TECHNOLOGY</titleOfClass>         <cusip>81369Y803</cusip>         <value>39695189</value>         <shrsOrPrnAmt><sshPrnamt>140833</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>136847</Sole>             <Shared>2000</Shared>             <None>1986</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>TECHNOLOGY</titleOfClass>         <cusip>81369Y803</cusip>         <value>707469</value>         <shrsOrPrnAmt><sshPrnamt>2510</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>2510</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>TECHNOLOGY</titleOfClass>         <cusip>81369Y803</cusip>         <value>90950585</value>         <shrsOrPrnAmt><sshPrnamt>322680</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>322680</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>TECHNOLOGY</titleOfClass>         <cusip>81369Y803</cusip>         <value>17475</value>         <shrsOrPrnAmt><sshPrnamt>62</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>62</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>TECHNOLOGY</titleOfClass>         <cusip>81369Y803</cusip>         <value>3912305</value>         <shrsOrPrnAmt><sshPrnamt>13880</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>13880</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>TECHNOLOGY</titleOfClass>         <cusip>81369Y803</cusip>         <value>2748773</value>         <shrsOrPrnAmt><sshPrnamt>9752</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>9752</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>TECHNOLOGY</titleOfClass>         <cusip>81369Y803</cusip>         <value>28450948</value>         <shrsOrPrnAmt><sshPrnamt>100940</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100940</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>TECHNOLOGY</titleOfClass>         <cusip>81369Y803</cusip>         <value>28186000</value>         <shrsOrPrnAmt><sshPrnamt>100000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>COMMUNICATION</titleOfClass>         <cusip>81369Y852</cusip>         <value>6079010</value>         <shrsOrPrnAmt><sshPrnamt>51356</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>51356</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>COMMUNICATION</titleOfClass>         <cusip>81369Y852</cusip>         <value>1133038</value>         <shrsOrPrnAmt><sshPrnamt>9572</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>9572</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>COMMUNICATION</titleOfClass>         <cusip>81369Y852</cusip>         <value>10080626</value>         <shrsOrPrnAmt><sshPrnamt>85162</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>85162</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>COMMUNICATION</titleOfClass>         <cusip>81369Y852</cusip>         <value>1704488</value>         <shrsOrPrnAmt><sshPrnamt>14400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>14400</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>COMMUNICATION</titleOfClass>         <cusip>81369Y852</cusip>         <value>55989</value>         <shrsOrPrnAmt><sshPrnamt>473</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>473</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>COMMUNICATION</titleOfClass>         <cusip>81369Y852</cusip>         <value>30214416</value>         <shrsOrPrnAmt><sshPrnamt>255254</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>255254</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>RL EST SEL SEC</titleOfClass>         <cusip>81369Y860</cusip>         <value>1619772</value>         <shrsOrPrnAmt><sshPrnamt>38447</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>38447</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>RL EST SEL SEC</titleOfClass>         <cusip>81369Y860</cusip>         <value>41835</value>         <shrsOrPrnAmt><sshPrnamt>993</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>993</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>RL EST SEL SEC</titleOfClass>         <cusip>81369Y860</cusip>         <value>584975</value>         <shrsOrPrnAmt><sshPrnamt>13885</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>13885</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>RL EST SEL SEC</titleOfClass>         <cusip>81369Y860</cusip>         <value>89948</value>         <shrsOrPrnAmt><sshPrnamt>2135</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2135</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>RL EST SEL SEC</titleOfClass>         <cusip>81369Y860</cusip>         <value>3160</value>         <shrsOrPrnAmt><sshPrnamt>75</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>75</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>RL EST SEL SEC</titleOfClass>         <cusip>81369Y860</cusip>         <value>2823</value>         <shrsOrPrnAmt><sshPrnamt>67</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>67</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>RL EST SEL SEC</titleOfClass>         <cusip>81369Y860</cusip>         <value>49166</value>         <shrsOrPrnAmt><sshPrnamt>1167</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1167</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI INT-UTILS</titleOfClass>         <cusip>81369Y886</cusip>         <value>47829540</value>         <shrsOrPrnAmt><sshPrnamt>548441</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>548441</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI INT-UTILS</titleOfClass>         <cusip>81369Y886</cusip>         <value>8522423</value>         <shrsOrPrnAmt><sshPrnamt>97723</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>95548</Sole>             <Shared>2175</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI INT-UTILS</titleOfClass>         <cusip>81369Y886</cusip>         <value>436050</value>         <shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>5000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI INT-UTILS</titleOfClass>         <cusip>81369Y886</cusip>         <value>195002</value>         <shrsOrPrnAmt><sshPrnamt>2236</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2236</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI INT-UTILS</titleOfClass>         <cusip>81369Y886</cusip>         <value>2259</value>         <shrsOrPrnAmt><sshPrnamt>26</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>26</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI INT-UTILS</titleOfClass>         <cusip>81369Y886</cusip>         <value>153490</value>         <shrsOrPrnAmt><sshPrnamt>1760</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1760</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI INT-UTILS</titleOfClass>         <cusip>81369Y886</cusip>         <value>4317157</value>         <shrsOrPrnAmt><sshPrnamt>49503</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>49503</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>         <titleOfClass>SBI INT-UTILS</titleOfClass>         <cusip>81369Y886</cusip>         <value>5250042</value>         <shrsOrPrnAmt><sshPrnamt>60200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>60200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816300107</cusip>         <value>351276</value>         <shrsOrPrnAmt><sshPrnamt>4333</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4333</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816300107</cusip>         <value>461207</value>         <shrsOrPrnAmt><sshPrnamt>5689</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4736</Sole>             <Shared>0</Shared>             <None>953</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816300107</cusip>         <value>211998</value>         <shrsOrPrnAmt><sshPrnamt>2615</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2615</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816300107</cusip>         <value>208512</value>         <shrsOrPrnAmt><sshPrnamt>2572</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2572</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816300107</cusip>         <value>3081</value>         <shrsOrPrnAmt><sshPrnamt>38</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>38</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SELECTQUOTE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816307300</cusip>         <value>196000</value>         <shrsOrPrnAmt><sshPrnamt>100000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>100000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMPRA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816851109</cusip>         <value>55613939</value>         <shrsOrPrnAmt><sshPrnamt>618070</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>618070</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMPRA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816851109</cusip>         <value>3727511</value>         <shrsOrPrnAmt><sshPrnamt>41426</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>27852</Sole>             <Shared>0</Shared>             <None>13574</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMPRA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816851109</cusip>         <value>24025</value>         <shrsOrPrnAmt><sshPrnamt>267</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>22</Sole>             <Shared>0</Shared>             <None>245</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMPRA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816851109</cusip>         <value>1687035</value>         <shrsOrPrnAmt><sshPrnamt>18749</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>18749</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMPRA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816851109</cusip>         <value>2002325</value>         <shrsOrPrnAmt><sshPrnamt>22253</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>22253</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMPRA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816851109</cusip>         <value>2969</value>         <shrsOrPrnAmt><sshPrnamt>33</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>33</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMPRA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816851109</cusip>         <value>59511</value>         <shrsOrPrnAmt><sshPrnamt>661</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>661</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMPRA</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816851109</cusip>         <value>13213743</value>         <shrsOrPrnAmt><sshPrnamt>146852</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>146852</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMTECH CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816850101</cusip>         <value>367539</value>         <shrsOrPrnAmt><sshPrnamt>5144</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5144</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMTECH CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816850101</cusip>         <value>38583</value>         <shrsOrPrnAmt><sshPrnamt>540</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>199</Sole>             <Shared>0</Shared>             <None>341</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMTECH CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816850101</cusip>         <value>7145</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>100</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SEMTECH CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>816850101</cusip>         <value>2215</value>         <shrsOrPrnAmt><sshPrnamt>31</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>31</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SENMIAO TECHNOLOGY LTD</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>817225303</cusip>         <value>20000</value>         <shrsOrPrnAmt><sshPrnamt>10000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>10000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G8060N102</cusip>         <value>317109</value>         <shrsOrPrnAmt><sshPrnamt>10380</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>10380</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G8060N102</cusip>         <value>899148</value>         <shrsOrPrnAmt><sshPrnamt>29432</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>28859</Sole>             <Shared>0</Shared>             <None>573</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>G8060N102</cusip>         <value>66385</value>         <shrsOrPrnAmt><sshPrnamt>2173</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         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<infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>824348106</cusip>         <value>12856634</value>         <shrsOrPrnAmt><sshPrnamt>37130</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>37130</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>824348106</cusip>         <value>163781</value>         <shrsOrPrnAmt><sshPrnamt>473</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>473</Sole>             <Shared>0</Shared>             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<infoTable><nameOfIssuer>SITIME CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>82982T106</cusip>         <value>382965</value>         <shrsOrPrnAmt><sshPrnamt>1271</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1271</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SITIME CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>82982T106</cusip>         <value>37362</value>         <shrsOrPrnAmt><sshPrnamt>124</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>119</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>83012A109</cusip>         <value>10028225</value>         <shrsOrPrnAmt><sshPrnamt>438680</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>438680</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>83012A109</cusip>         <value>26335</value>         <shrsOrPrnAmt><sshPrnamt>1152</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1152</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SKEENA RES LTD NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>83056P715</cusip>         <value>12410216</value>         <shrsOrPrnAmt><sshPrnamt>674020</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>674020</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SKEENA RES LTD NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>83056P715</cusip>         <value>15466</value>         <shrsOrPrnAmt><sshPrnamt>840</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>840</Sole>             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         <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SKYWEST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>830879102</cusip>         <value>98205</value>         <shrsOrPrnAmt><sshPrnamt>976</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>891</Sole>             <Shared>0</Shared>             <None>85</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SKYWEST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>830879102</cusip>         <value>43971</value>         <shrsOrPrnAmt><sshPrnamt>437</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>437</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SKYWEST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>830879102</cusip>         <value>27306</value>         <shrsOrPrnAmt><sshPrnamt>271</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>271</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SKYWEST INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>830879102</cusip>         <value>402</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>13655</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>83088M102</cusip>         <value>2525868</value>         <shrsOrPrnAmt><sshPrnamt>32812</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>32812</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>83088M102</cusip>         <value>68831</value>         <shrsOrPrnAmt><sshPrnamt>894</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>894</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>83088M102</cusip>         <value>2445963</value>         <shrsOrPrnAmt><sshPrnamt>31774</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>31774</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SL GREEN RLTY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78440X887</cusip>         <value>252099</value>         <shrsOrPrnAmt><sshPrnamt>4215</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4215</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SL GREEN RLTY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78440X887</cusip>         <value>72550</value>         <shrsOrPrnAmt><sshPrnamt>1213</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1079</Sole>             <Shared>0</Shared>             <None>134</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SL GREEN RLTY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78440X887</cusip>         <value>193605</value>         <shrsOrPrnAmt><sshPrnamt>3237</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3237</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SLM CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78442P106</cusip>         <value>411463</value>         <shrsOrPrnAmt><sshPrnamt>14865</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>14865</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SLM CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78442P106</cusip>         <value>10435</value>         <shrsOrPrnAmt><sshPrnamt>377</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>377</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SLM CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78442P106</cusip>         <value>268662</value>         <shrsOrPrnAmt><sshPrnamt>9706</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9706</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SLM CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78442P106</cusip>         <value>456914</value>         <shrsOrPrnAmt><sshPrnamt>16507</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>16507</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SM ENERGY CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78454L100</cusip>         <value>168922</value>         <shrsOrPrnAmt><sshPrnamt>6765</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6765</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SM ENERGY CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78454L100</cusip>         <value>406487</value>         <shrsOrPrnAmt><sshPrnamt>16279</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>16033</Sole>             <Shared>0</Shared>             <None>246</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SM ENERGY CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>78454L100</cusip>         <value>29190</value>         <shrsOrPrnAmt><sshPrnamt>1169</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1169</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SMITH &amp; NEPHEW PLC</nameOfIssuer>         <titleOfClass>SPDN ADR NEW</titleOfClass>         <cusip>83175M205</cusip>         <value>48048</value>         <shrsOrPrnAmt><sshPrnamt>1324</sshPrnamt>             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        <titleOfClass>COM NEW</titleOfClass>         <cusip>832696405</cusip>         <value>38770</value>         <shrsOrPrnAmt><sshPrnamt>357</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>320</Sole>             <Shared>0</Shared>             <None>37</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SMUCKER J M CO</nameOfIssuer>         <titleOfClass>COM NEW</titleOfClass>         <cusip>832696405</cusip>         <value>131732</value>         <shrsOrPrnAmt><sshPrnamt>1213</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1213</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SMUCKER J M 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<infoTable><nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>83406F102</cusip>         <value>2040126</value>         <shrsOrPrnAmt><sshPrnamt>77219</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>77219</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>83406F102</cusip>         <value>398942</value>         <shrsOrPrnAmt><sshPrnamt>15100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<shrsOrPrnAmt><sshPrnamt>3143</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3143</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844741108</cusip>         <value>4965898</value>         <shrsOrPrnAmt><sshPrnamt>155622</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>155622</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844741108</cusip>         <value>1886774</value>         <shrsOrPrnAmt><sshPrnamt>59128</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>42583</Sole>             <Shared>0</Shared>             <None>16545</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844741108</cusip>         <value>112483</value>         <shrsOrPrnAmt><sshPrnamt>3525</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3060</Sole>             <Shared>0</Shared>             <None>465</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844741108</cusip>         <value>393993</value>         <shrsOrPrnAmt><sshPrnamt>12347</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12347</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844741108</cusip>         <value>135362</value>         <shrsOrPrnAmt><sshPrnamt>4242</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4242</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844741108</cusip>         <value>45855</value>         <shrsOrPrnAmt><sshPrnamt>1437</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1437</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844741108</cusip>         <value>135192</value>         <shrsOrPrnAmt><sshPrnamt>4237</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>4237</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844741108</cusip>         <value>3652419</value>         <shrsOrPrnAmt><sshPrnamt>114460</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>114460</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST GAS HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844895102</cusip>         <value>2029789</value>         <shrsOrPrnAmt><sshPrnamt>25910</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>25910</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST GAS HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844895102</cusip>         <value>90091</value>         <shrsOrPrnAmt><sshPrnamt>1150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>862</Sole>             <Shared>0</Shared>             <None>288</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST GAS HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844895102</cusip>         <value>122837</value>         <shrsOrPrnAmt><sshPrnamt>1568</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1568</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SOUTHWEST GAS HLDGS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>844895102</cusip>         <value>1880</value>         <shrsOrPrnAmt><sshPrnamt>24</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>24</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>         <titleOfClass>UT SER 1</titleOfClass>         <cusip>78467X109</cusip>         <value>2172158</value>         <shrsOrPrnAmt><sshPrnamt>4684</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2673</Sole>             <Shared>2000</Shared>             <None>11</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>         <titleOfClass>UT SER 1</titleOfClass>         <cusip>78467X109</cusip>         <value>29925606</value>         <shrsOrPrnAmt><sshPrnamt>64531</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>64531</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>         <titleOfClass>UT SER 1</titleOfClass>         <cusip>78467X109</cusip>         <value>566227</value>         <shrsOrPrnAmt><sshPrnamt>1221</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1221</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>         <titleOfClass>UT SER 1</titleOfClass>         <cusip>78467X109</cusip>         <value>455274</value>         <shrsOrPrnAmt><sshPrnamt>982</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>982</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>         <titleOfClass>UT SER 1</titleOfClass>         <cusip>78467X109</cusip>         <value>222147</value>         <shrsOrPrnAmt><sshPrnamt>479</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>479</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>         <titleOfClass>UT SER 1</titleOfClass>         <cusip>78467X109</cusip>         <value>245413527</value>         <shrsOrPrnAmt><sshPrnamt>529205</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>529205</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer>         <titleOfClass>GOLD SHS</titleOfClass>         <cusip>78463V107</cusip>         <value>72516235</value>         <shrsOrPrnAmt><sshPrnamt>204001</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>204001</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer>         <titleOfClass>GOLD SHS</titleOfClass>         <cusip>78463V107</cusip>         <value>3820947</value>         <shrsOrPrnAmt><sshPrnamt>10749</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>10749</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer>         <titleOfClass>GOLD SHS</titleOfClass>         <cusip>78463V107</cusip>         <value>4872783</value>         <shrsOrPrnAmt><sshPrnamt>13708</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>13708</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer>         <titleOfClass>GOLD SHS</titleOfClass>         <cusip>78463V107</cusip>         <value>110729616</value>         <shrsOrPrnAmt><sshPrnamt>311502</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>311502</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer>         <titleOfClass>GOLD SHS</titleOfClass>         <cusip>78463V107</cusip>         <value>4889490</value>         <shrsOrPrnAmt><sshPrnamt>13755</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>13755</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer>         <titleOfClass>GOLD SHS</titleOfClass>         <cusip>78463V107</cusip>         <value>2492911</value>         <shrsOrPrnAmt><sshPrnamt>7013</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7013</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer>         <titleOfClass>GOLD SHS</titleOfClass>         <cusip>78463V107</cusip>         <value>2972796</value>         <shrsOrPrnAmt><sshPrnamt>8363</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>8363</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer>         <titleOfClass>GOLD SHS</titleOfClass>         <cusip>78463V107</cusip>         <value>353986979</value>         <shrsOrPrnAmt><sshPrnamt>995828</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>995828</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>PORTFLO EURP ETF</titleOfClass>         <cusip>78463X103</cusip>         <value>11207</value>         <shrsOrPrnAmt><sshPrnamt>225</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>225</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>EURO STOXX 50</titleOfClass>         <cusip>78463X202</cusip>         <value>173936</value>         <shrsOrPrnAmt><sshPrnamt>2800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2800</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>EURO STOXX 50</titleOfClass>         <cusip>78463X202</cusip>         <value>8544295</value>         <shrsOrPrnAmt><sshPrnamt>137545</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>137545</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>EURO STOXX 50</titleOfClass>         <cusip>78463X202</cusip>         <value>8697</value>         <shrsOrPrnAmt><sshPrnamt>140</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>140</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>EURO STOXX 50</titleOfClass>         <cusip>78463X202</cusip>         <value>135725</value>         <shrsOrPrnAmt><sshPrnamt>2185</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2185</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>EURO STOXX 50</titleOfClass>         <cusip>78463X202</cusip>         <value>38204</value>         <shrsOrPrnAmt><sshPrnamt>615</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>615</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>ASIA PACIF ETF</titleOfClass>         <cusip>78463X301</cusip>         <value>36284</value>         <shrsOrPrnAmt><sshPrnamt>261</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>261</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>S&amp;P CHINA ETF</titleOfClass>         <cusip>78463X400</cusip>         <value>25613</value>         <shrsOrPrnAmt><sshPrnamt>244</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>244</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>MSCI WRLD STRGIC</titleOfClass>         <cusip>78463X418</cusip>         <value>48448</value>         <shrsOrPrnAmt><sshPrnamt>345</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>345</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>MSCI EAFE STRTGC</titleOfClass>         <cusip>78463X434</cusip>         <value>1447702</value>         <shrsOrPrnAmt><sshPrnamt>16468</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>16468</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>PORTFOLIO EMG MK</titleOfClass>         <cusip>78463X509</cusip>         <value>269766</value>         <shrsOrPrnAmt><sshPrnamt>5763</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5763</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>PORTFOLIO EMG MK</titleOfClass>         <cusip>78463X509</cusip>         <value>47</value>         <shrsOrPrnAmt><sshPrnamt>1</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>PORTFOLIO EMG MK</titleOfClass>         <cusip>78463X509</cusip>         <value>66330</value>         <shrsOrPrnAmt><sshPrnamt>1417</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1417</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>S&amp;P EM MKT DIV</titleOfClass>         <cusip>78463X533</cusip>         <value>97125</value>         <shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>S&amp;P EM MKT DIV</titleOfClass>         <cusip>78463X533</cusip>         <value>33877</value>         <shrsOrPrnAmt><sshPrnamt>872</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>872</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>GLB NAT RESRCE</titleOfClass>         <cusip>78463X541</cusip>         <value>6723651</value>         <shrsOrPrnAmt><sshPrnamt>113556</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>112561</Sole>             <Shared>995</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>GLB NAT RESRCE</titleOfClass>         <cusip>78463X541</cusip>         <value>234116</value>         <shrsOrPrnAmt><sshPrnamt>3954</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3954</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>GLB NAT RESRCE</titleOfClass>         <cusip>78463X541</cusip>         <value>414</value>         <shrsOrPrnAmt><sshPrnamt>7</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>GLB NAT RESRCE</titleOfClass>         <cusip>78463X541</cusip>         <value>1819</value>         <shrsOrPrnAmt><sshPrnamt>31</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>31</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>DJ GLB RL ES ETF</titleOfClass>         <cusip>78463X749</cusip>         <value>33504</value>         <shrsOrPrnAmt><sshPrnamt>732</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>732</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>S&amp;P EMKTSC ETF</titleOfClass>         <cusip>78463X756</cusip>         <value>30819</value>         <shrsOrPrnAmt><sshPrnamt>458</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>458</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>S&amp;P EMKTSC ETF</titleOfClass>         <cusip>78463X756</cusip>         <value>25454</value>         <shrsOrPrnAmt><sshPrnamt>378</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>378</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>MSCI ACWI EXUS</titleOfClass>         <cusip>78463X848</cusip>         <value>8667773</value>         <shrsOrPrnAmt><sshPrnamt>248218</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>248218</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>MSCI ACWI EXUS</titleOfClass>         <cusip>78463X848</cusip>         <value>106331</value>         <shrsOrPrnAmt><sshPrnamt>3045</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>3045</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>S&amp;P GBLINF ETF</titleOfClass>         <cusip>78463X855</cusip>         <value>804878</value>         <shrsOrPrnAmt><sshPrnamt>11566</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>11566</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>DJ INTL RL ETF</titleOfClass>         <cusip>78463X863</cusip>         <value>663213</value>         <shrsOrPrnAmt><sshPrnamt>23848</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>23848</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>S&amp;P INTL SMLCP</titleOfClass>         <cusip>78463X871</cusip>         <value>423497</value>         <shrsOrPrnAmt><sshPrnamt>10540</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10540</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>S&amp;P INTL SMLCP</titleOfClass>         <cusip>78463X871</cusip>         <value>71360</value>         <shrsOrPrnAmt><sshPrnamt>1776</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1776</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>S&amp;P INTL SMLCP</titleOfClass>         <cusip>78463X871</cusip>         <value>219182</value>         <shrsOrPrnAmt><sshPrnamt>5455</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>5455</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>         <cusip>78463X889</cusip>         <value>1098633</value>         <shrsOrPrnAmt><sshPrnamt>25675</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>25675</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>         <cusip>78463X889</cusip>         <value>8258</value>         <shrsOrPrnAmt><sshPrnamt>193</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>193</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>         <cusip>78463X889</cusip>         <value>90073</value>         <shrsOrPrnAmt><sshPrnamt>2105</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2105</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>373608400</value>         <shrsOrPrnAmt><sshPrnamt>560822</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>560822</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>2238764508</value>         <shrsOrPrnAmt><sshPrnamt>3360600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3360600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>1132326798</value>         <shrsOrPrnAmt><sshPrnamt>1699731</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1687738</Sole>             <Shared>4735</Shared>             <None>7258</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>6661800</value>         <shrsOrPrnAmt><sshPrnamt>10000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>5</otherManager>         <votingAuthority><Sole>10000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>8074768</value>         <shrsOrPrnAmt><sshPrnamt>12121</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3556</Sole>             <Shared>0</Shared>             <None>8565</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>51112263</value>         <shrsOrPrnAmt><sshPrnamt>76724</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>76724</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>1687167468</value>         <shrsOrPrnAmt><sshPrnamt>2532600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2532600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>139897800</value>         <shrsOrPrnAmt><sshPrnamt>210000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>210000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>235541929</value>         <shrsOrPrnAmt><sshPrnamt>353571</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>353571</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>115726791</value>         <shrsOrPrnAmt><sshPrnamt>173717</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>173717</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>15748540</value>         <shrsOrPrnAmt><sshPrnamt>23640</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>23640</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>7305921</value>         <shrsOrPrnAmt><sshPrnamt>10967</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>10967</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>769970844</value>         <shrsOrPrnAmt><sshPrnamt>1155800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1155800</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>2447940365</value>         <shrsOrPrnAmt><sshPrnamt>3674593</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>3674593</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>         <titleOfClass>TR UNIT</titleOfClass>         <cusip>78462F103</cusip>         <value>1360406178</value>         <shrsOrPrnAmt><sshPrnamt>2042100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>2042100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>         <cusip>78467Y107</cusip>         <value>276080500</value>         <shrsOrPrnAmt><sshPrnamt>463199</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>462502</Sole>             <Shared>374</Shared>             <None>323</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>         <cusip>78467Y107</cusip>         <value>3502868</value>         <shrsOrPrnAmt><sshPrnamt>5877</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>5331</Sole>             <Shared>0</Shared>             <None>546</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>         <cusip>78467Y107</cusip>         <value>523410</value>         <shrsOrPrnAmt><sshPrnamt>878</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>878</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>         <cusip>78467Y107</cusip>         <value>351062</value>         <shrsOrPrnAmt><sshPrnamt>589</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>589</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>         <cusip>78467Y107</cusip>         <value>617487</value>         <shrsOrPrnAmt><sshPrnamt>1036</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1036</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>         <cusip>78467Y107</cusip>         <value>44702</value>         <shrsOrPrnAmt><sshPrnamt>75</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>75</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>         <cusip>78467Y107</cusip>         <value>220531</value>         <shrsOrPrnAmt><sshPrnamt>370</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>370</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>         <cusip>78467Y107</cusip>         <value>18301697</value>         <shrsOrPrnAmt><sshPrnamt>30706</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>30706</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>NYSE TECH ETF</titleOfClass>         <cusip>78464A102</cusip>         <value>160343</value>         <shrsOrPrnAmt><sshPrnamt>589</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>589</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO CRPORT</titleOfClass>         <cusip>78464A144</cusip>         <value>219321</value>         <shrsOrPrnAmt><sshPrnamt>7402</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>7402</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>         <cusip>78464A201</cusip>         <value>368186</value>         <shrsOrPrnAmt><sshPrnamt>3904</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3904</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>         <cusip>78464A201</cusip>         <value>98439</value>         <shrsOrPrnAmt><sshPrnamt>1044</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1044</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>ICE PFD SEC ETF</titleOfClass>         <cusip>78464A292</cusip>         <value>1365130</value>         <shrsOrPrnAmt><sshPrnamt>41280</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>41280</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>ICE PFD SEC ETF</titleOfClass>         <cusip>78464A292</cusip>         <value>31376</value>         <shrsOrPrnAmt><sshPrnamt>949</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>949</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>         <cusip>78464A300</cusip>         <value>5851</value>         <shrsOrPrnAmt><sshPrnamt>66</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>66</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BBG CONV SEC ETF</titleOfClass>         <cusip>78464A359</cusip>         <value>40046341</value>         <shrsOrPrnAmt><sshPrnamt>442501</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>442311</Sole>             <Shared>0</Shared>             <None>190</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BBG CONV SEC ETF</titleOfClass>         <cusip>78464A359</cusip>         <value>494673</value>         <shrsOrPrnAmt><sshPrnamt>5466</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5466</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>         <cusip>78464A375</cusip>         <value>72897</value>         <shrsOrPrnAmt><sshPrnamt>2151</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2151</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>         <cusip>78464A375</cusip>         <value>320287</value>         <shrsOrPrnAmt><sshPrnamt>9451</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9451</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG EMERGI</titleOfClass>         <cusip>78464A391</cusip>         <value>3375</value>         <shrsOrPrnAmt><sshPrnamt>158</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>158</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG EMERGI</titleOfClass>         <cusip>78464A391</cusip>         <value>235</value>         <shrsOrPrnAmt><sshPrnamt>11</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG EMERGI</titleOfClass>         <cusip>78464A391</cusip>         <value>5041</value>         <shrsOrPrnAmt><sshPrnamt>236</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>236</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>         <cusip>78464A409</cusip>         <value>307782</value>         <shrsOrPrnAmt><sshPrnamt>2945</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2945</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>         <cusip>78464A409</cusip>         <value>2109952</value>         <shrsOrPrnAmt><sshPrnamt>20189</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>20189</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>         <cusip>78464A409</cusip>         <value>66886</value>         <shrsOrPrnAmt><sshPrnamt>640</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>640</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>         <cusip>78464A409</cusip>         <value>45696</value>         <shrsOrPrnAmt><sshPrnamt>437</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>437</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>         <cusip>78464A409</cusip>         <value>210944</value>         <shrsOrPrnAmt><sshPrnamt>2018</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2018</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO SHORT</titleOfClass>         <cusip>78464A474</cusip>         <value>307746</value>         <shrsOrPrnAmt><sshPrnamt>10160</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>10160</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO SHORT</titleOfClass>         <cusip>78464A474</cusip>         <value>318560</value>         <shrsOrPrnAmt><sshPrnamt>10517</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>10517</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO SHORT</titleOfClass>         <cusip>78464A474</cusip>         <value>35292</value>         <shrsOrPrnAmt><sshPrnamt>1165</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1165</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>         <cusip>78464A508</cusip>         <value>521043</value>         <shrsOrPrnAmt><sshPrnamt>9417</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>9417</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>         <cusip>78464A508</cusip>         <value>41387</value>         <shrsOrPrnAmt><sshPrnamt>748</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>748</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>         <cusip>78464A508</cusip>         <value>82826</value>         <shrsOrPrnAmt><sshPrnamt>1497</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1497</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>         <cusip>78464A508</cusip>         <value>384765</value>         <shrsOrPrnAmt><sshPrnamt>6954</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>6954</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG INTL T</titleOfClass>         <cusip>78464A516</cusip>         <value>61548</value>         <shrsOrPrnAmt><sshPrnamt>2676</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2676</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG INTL T</titleOfClass>         <cusip>78464A516</cusip>         <value>55200</value>         <shrsOrPrnAmt><sshPrnamt>2400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P TRANSN ETF</titleOfClass>         <cusip>78464A532</cusip>         <value>12410</value>         <shrsOrPrnAmt><sshPrnamt>148</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>148</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>HLTH CARE SVCS</titleOfClass>         <cusip>78464A573</cusip>         <value>75967</value>         <shrsOrPrnAmt><sshPrnamt>748</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>748</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>HLTH CR EQUIP</titleOfClass>         <cusip>78464A581</cusip>         <value>21265</value>         <shrsOrPrnAmt><sshPrnamt>270</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>270</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>HLTH CR EQUIP</titleOfClass>         <cusip>78464A581</cusip>         <value>316221</value>         <shrsOrPrnAmt><sshPrnamt>4015</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4015</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>COMP SOFTWARE</titleOfClass>         <cusip>78464A599</cusip>         <value>81477</value>         <shrsOrPrnAmt><sshPrnamt>412</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>412</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>COMP SOFTWARE</titleOfClass>         <cusip>78464A599</cusip>         <value>11866</value>         <shrsOrPrnAmt><sshPrnamt>60</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>60</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>DJ REIT ETF</titleOfClass>         <cusip>78464A607</cusip>         <value>1723985</value>         <shrsOrPrnAmt><sshPrnamt>17190</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>17190</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>DJ REIT ETF</titleOfClass>         <cusip>78464A607</cusip>         <value>205595</value>         <shrsOrPrnAmt><sshPrnamt>2050</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2050</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>AEROSPACE DEF</titleOfClass>         <cusip>78464A631</cusip>         <value>189143</value>         <shrsOrPrnAmt><sshPrnamt>805</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>805</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>AEROSPACE DEF</titleOfClass>         <cusip>78464A631</cusip>         <value>2682303</value>         <shrsOrPrnAmt><sshPrnamt>11416</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11416</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>AEROSPACE DEF</titleOfClass>         <cusip>78464A631</cusip>         <value>125939</value>         <shrsOrPrnAmt><sshPrnamt>536</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>536</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>AEROSPACE DEF</titleOfClass>         <cusip>78464A631</cusip>         <value>34324</value>         <shrsOrPrnAmt><sshPrnamt>146</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>146</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>         <cusip>78464A649</cusip>         <value>84323</value>         <shrsOrPrnAmt><sshPrnamt>3262</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>3262</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>         <cusip>78464A664</cusip>         <value>3638</value>         <shrsOrPrnAmt><sshPrnamt>135</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>135</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFLI INTRMDIT</titleOfClass>         <cusip>78464A672</cusip>         <value>43784</value>         <shrsOrPrnAmt><sshPrnamt>1515</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1515</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFLI INTRMDIT</titleOfClass>         <cusip>78464A672</cusip>         <value>29622876</value>         <shrsOrPrnAmt><sshPrnamt>1025013</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1025013</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P REGL BKG</titleOfClass>         <cusip>78464A698</cusip>         <value>6014</value>         <shrsOrPrnAmt><sshPrnamt>95</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>95</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P REGL BKG</titleOfClass>         <cusip>78464A698</cusip>         <value>1139400</value>         <shrsOrPrnAmt><sshPrnamt>18000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>  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<investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2861</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P REGL BKG</titleOfClass>         <cusip>78464A698</cusip>         <value>3687858</value>         <shrsOrPrnAmt><sshPrnamt>58260</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>58260</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P REGL BKG</titleOfClass>         <cusip>78464A698</cusip>         <value>22914600</value>         <shrsOrPrnAmt><sshPrnamt>362000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>362000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>GLB DOW ETF</titleOfClass>         <cusip>78464A706</cusip>         <value>69553</value>         <shrsOrPrnAmt><sshPrnamt>430</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>430</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P RETAIL ETF</titleOfClass>         <cusip>78464A714</cusip>         <value>12324</value>         <shrsOrPrnAmt><sshPrnamt>143</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>143</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P RETAIL ETF</titleOfClass>         <cusip>78464A714</cusip>         <value>112896</value>         <shrsOrPrnAmt><sshPrnamt>1310</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1310</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P PHARMAC</titleOfClass>         <cusip>78464A722</cusip>         <value>115056</value>         <shrsOrPrnAmt><sshPrnamt>2400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P METALS MNG</titleOfClass>         <cusip>78464A755</cusip>         <value>6306167</value>         <shrsOrPrnAmt><sshPrnamt>67670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>67670</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P METALS MNG</titleOfClass>         <cusip>78464A755</cusip>         <value>32617</value>         <shrsOrPrnAmt><sshPrnamt>350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>350</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P METALS MNG</titleOfClass>         <cusip>78464A755</cusip>         <value>21608</value>         <shrsOrPrnAmt><sshPrnamt>232</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>232</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P METALS MNG</titleOfClass>         <cusip>78464A755</cusip>         <value>177247</value>         <shrsOrPrnAmt><sshPrnamt>1902</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1902</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P METALS MNG</titleOfClass>         <cusip>78464A755</cusip>         <value>2832976</value>         <shrsOrPrnAmt><sshPrnamt>30400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>30400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P METALS MNG</titleOfClass>         <cusip>78464A755</cusip>         <value>9319000</value>         <shrsOrPrnAmt><sshPrnamt>100000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>100000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>         <cusip>78464A763</cusip>         <value>22213471</value>         <shrsOrPrnAmt><sshPrnamt>158611</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>158436</Sole>             <Shared>175</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>         <cusip>78464A763</cusip>         <value>4341550</value>         <shrsOrPrnAmt><sshPrnamt>31000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>31000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>         <cusip>78464A763</cusip>         <value>200832</value>         <shrsOrPrnAmt><sshPrnamt>1434</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1434</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>         <cusip>78464A763</cusip>         <value>170708</value>         <shrsOrPrnAmt><sshPrnamt>1219</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1219</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>         <cusip>78464A763</cusip>         <value>342919</value>         <shrsOrPrnAmt><sshPrnamt>2449</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2449</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P CAP MKTS</titleOfClass>         <cusip>78464A771</cusip>         <value>94003</value>         <shrsOrPrnAmt><sshPrnamt>615</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>615</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P INS ETF</titleOfClass>         <cusip>78464A789</cusip>         <value>86429</value>         <shrsOrPrnAmt><sshPrnamt>1457</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1457</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P INS ETF</titleOfClass>         <cusip>78464A789</cusip>         <value>59320</value>         <shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BK ETF</titleOfClass>         <cusip>78464A797</cusip>         <value>152709</value>         <shrsOrPrnAmt><sshPrnamt>2570</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2570</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BK ETF</titleOfClass>         <cusip>78464A797</cusip>         <value>126089</value>         <shrsOrPrnAmt><sshPrnamt>2122</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2122</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BK ETF</titleOfClass>         <cusip>78464A797</cusip>         <value>4484</value>         <shrsOrPrnAmt><sshPrnamt>75</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>75</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BK ETF</titleOfClass>         <cusip>78464A797</cusip>         <value>8319</value>         <shrsOrPrnAmt><sshPrnamt>140</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>140</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BK ETF</titleOfClass>         <cusip>78464A797</cusip>         <value>8121169</value>         <shrsOrPrnAmt><sshPrnamt>136674</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>136674</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>         <cusip>78464A805</cusip>         <value>178398</value>         <shrsOrPrnAmt><sshPrnamt>2212</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2212</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>         <cusip>78464A805</cusip>         <value>5242</value>         <shrsOrPrnAmt><sshPrnamt>65</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>65</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>         <cusip>78464A821</cusip>         <value>811405</value>         <shrsOrPrnAmt><sshPrnamt>8862</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>8862</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>         <cusip>78464A847</cusip>         <value>1258</value>         <shrsOrPrnAmt><sshPrnamt>22</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>22</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>         <cusip>78464A847</cusip>         <value>545307</value>         <shrsOrPrnAmt><sshPrnamt>9535</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>9535</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>         <cusip>78464A847</cusip>         <value>3031</value>         <shrsOrPrnAmt><sshPrnamt>53</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>53</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>         <cusip>78464A847</cusip>         <value>85785</value>         <shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>         <cusip>78464A854</cusip>         <value>19089108</value>         <shrsOrPrnAmt><sshPrnamt>243670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>243670</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>         <cusip>78464A854</cusip>         <value>2091913</value>         <shrsOrPrnAmt><sshPrnamt>26703</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>26703</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>         <cusip>78464A854</cusip>         <value>80474</value>         <shrsOrPrnAmt><sshPrnamt>1027</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1027</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>         <cusip>78464A854</cusip>         <value>49433</value>         <shrsOrPrnAmt><sshPrnamt>631</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>631</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P SEMICNDCTR</titleOfClass>         <cusip>78464A862</cusip>         <value>290080</value>         <shrsOrPrnAmt><sshPrnamt>909</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>909</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BIOTECH</titleOfClass>         <cusip>78464A870</cusip>         <value>151102</value>         <shrsOrPrnAmt><sshPrnamt>1508</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1508</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BIOTECH</titleOfClass>         <cusip>78464A870</cusip>         <value>1674242</value>         <shrsOrPrnAmt><sshPrnamt>16709</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>16709</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BIOTECH</titleOfClass>         <cusip>78464A870</cusip>         <value>250500</value>         <shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BIOTECH</titleOfClass>         <cusip>78464A870</cusip>         <value>28502</value>         <shrsOrPrnAmt><sshPrnamt>284</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>284</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P BIOTECH</titleOfClass>         <cusip>78464A870</cusip>         <value>9361586</value>         <shrsOrPrnAmt><sshPrnamt>93429</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>93429</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>         <cusip>78464A888</cusip>         <value>354560</value>         <shrsOrPrnAmt><sshPrnamt>3200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>         <cusip>78464A888</cusip>         <value>2186306</value>         <shrsOrPrnAmt><sshPrnamt>19732</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>19732</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO SH TSR</titleOfClass>         <cusip>78468R101</cusip>         <value>457949</value>         <shrsOrPrnAmt><sshPrnamt>15619</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>15619</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG INVT</titleOfClass>         <cusip>78468R200</cusip>         <value>598653</value>         <shrsOrPrnAmt><sshPrnamt>19399</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>19399</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG INVT</titleOfClass>         <cusip>78468R200</cusip>         <value>403671</value>         <shrsOrPrnAmt><sshPrnamt>13081</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>13081</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>         <cusip>78468R408</cusip>         <value>82304</value>         <shrsOrPrnAmt><sshPrnamt>3215</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3215</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>         <cusip>78468R408</cusip>         <value>86170</value>         <shrsOrPrnAmt><sshPrnamt>3366</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3366</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>         <cusip>78468R408</cusip>         <value>2228582</value>         <shrsOrPrnAmt><sshPrnamt>87054</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>87054</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG 3-12 M</titleOfClass>         <cusip>78468R523</cusip>         <value>202822</value>         <shrsOrPrnAmt><sshPrnamt>2038</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>2038</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>         <cusip>78468R556</cusip>         <value>191293</value>         <shrsOrPrnAmt><sshPrnamt>1447</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1447</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>         <cusip>78468R556</cusip>         <value>3622941</value>         <shrsOrPrnAmt><sshPrnamt>27405</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>27405</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>         <cusip>78468R556</cusip>         <value>20094</value>         <shrsOrPrnAmt><sshPrnamt>152</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>152</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>         <cusip>78468R556</cusip>         <value>1559299</value>         <shrsOrPrnAmt><sshPrnamt>11795</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>11795</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFLI HIGH YLD</titleOfClass>         <cusip>78468R606</cusip>         <value>231260</value>         <shrsOrPrnAmt><sshPrnamt>9660</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>9660</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFLI HIGH YLD</titleOfClass>         <cusip>78468R606</cusip>         <value>12569</value>         <shrsOrPrnAmt><sshPrnamt>525</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>525</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>         <cusip>78468R622</cusip>         <value>3794075</value>         <shrsOrPrnAmt><sshPrnamt>38719</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>38719</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>         <cusip>78468R622</cusip>         <value>121998</value>         <shrsOrPrnAmt><sshPrnamt>1245</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1245</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>         <cusip>78468R622</cusip>         <value>5622274</value>         <shrsOrPrnAmt><sshPrnamt>57376</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>57376</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>         <cusip>78468R622</cusip>         <value>627136</value>         <shrsOrPrnAmt><sshPrnamt>6400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>6400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>         <cusip>78468R622</cusip>         <value>1764</value>         <shrsOrPrnAmt><sshPrnamt>18</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>18</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P KENSHO NEW</titleOfClass>         <cusip>78468R648</cusip>         <value>14693</value>         <shrsOrPrnAmt><sshPrnamt>236</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>236</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P KENSHO NEW</titleOfClass>         <cusip>78468R648</cusip>         <value>87164</value>         <shrsOrPrnAmt><sshPrnamt>1400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>         <cusip>78468R663</cusip>         <value>83860</value>         <shrsOrPrnAmt><sshPrnamt>914</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>914</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>         <cusip>78468R663</cusip>         <value>596559</value>         <shrsOrPrnAmt><sshPrnamt>6502</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>6502</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>         <cusip>78468R663</cusip>         <value>155700</value>         <shrsOrPrnAmt><sshPrnamt>1697</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1697</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>         <cusip>78468R663</cusip>         <value>47644124</value>         <shrsOrPrnAmt><sshPrnamt>519282</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>519282</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>         <cusip>78468R663</cusip>         <value>129735</value>         <shrsOrPrnAmt><sshPrnamt>1414</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1414</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>         <cusip>78468R663</cusip>         <value>2241400</value>         <shrsOrPrnAmt><sshPrnamt>24429</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>24429</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P KENSHO SMART</titleOfClass>         <cusip>78468R689</cusip>         <value>1244</value>         <shrsOrPrnAmt><sshPrnamt>35</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>35</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>S&amp;P KENSHO SMART</titleOfClass>         <cusip>78468R689</cusip>         <value>10238</value>         <shrsOrPrnAmt><sshPrnamt>288</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>288</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>NUVEEN ICE MUNIC</titleOfClass>         <cusip>78468R721</cusip>         <value>85124578</value>         <shrsOrPrnAmt><sshPrnamt>1867996</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1867683</Sole>             <Shared>0</Shared>             <None>313</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>NUVEEN ICE MUNIC</titleOfClass>         <cusip>78468R721</cusip>         <value>2475271</value>         <shrsOrPrnAmt><sshPrnamt>54318</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>42362</Sole>             <Shared>0</Shared>             <None>11956</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>NUVEEN ICE MUNIC</titleOfClass>         <cusip>78468R721</cusip>         <value>172255</value>         <shrsOrPrnAmt><sshPrnamt>3780</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3780</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>NUVEEN ICE SHORT</titleOfClass>         <cusip>78468R739</cusip>         <value>3536985</value>         <shrsOrPrnAmt><sshPrnamt>73351</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>73351</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>NUVEEN ICE SHORT</titleOfClass>         <cusip>78468R739</cusip>         <value>1206</value>         <shrsOrPrnAmt><sshPrnamt>25</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>25</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>SPDR MSCI USA GE</titleOfClass>         <cusip>78468R747</cusip>         <value>89222</value>         <shrsOrPrnAmt><sshPrnamt>700</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>700</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>         <cusip>78468R788</cusip>         <value>7524</value>         <shrsOrPrnAmt><sshPrnamt>171</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>171</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>         <cusip>78468R788</cusip>         <value>61028</value>         <shrsOrPrnAmt><sshPrnamt>1387</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1387</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>         <cusip>78468R788</cusip>         <value>330088</value>         <shrsOrPrnAmt><sshPrnamt>7502</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>7502</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>         <cusip>78468R788</cusip>         <value>562408</value>         <shrsOrPrnAmt><sshPrnamt>12782</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>12782</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>         <cusip>78468R788</cusip>         <value>66000</value>         <shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>         <cusip>78468R788</cusip>         <value>235400</value>         <shrsOrPrnAmt><sshPrnamt>5350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>5350</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>         <cusip>78468R796</cusip>         <value>323615</value>         <shrsOrPrnAmt><sshPrnamt>5900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>         <cusip>78468R853</cusip>         <value>1685585</value>         <shrsOrPrnAmt><sshPrnamt>36390</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>36390</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>         <cusip>78468R853</cusip>         <value>23803</value>         <shrsOrPrnAmt><sshPrnamt>514</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>514</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>84790A105</cusip>         <value>1051</value>         <shrsOrPrnAmt><sshPrnamt>20</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>20</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>84790A105</cusip>         <value>28261</value>         <shrsOrPrnAmt><sshPrnamt>538</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>538</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>84790A105</cusip>         <value>210</value>         <shrsOrPrnAmt><sshPrnamt>4</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>84790A105</cusip>         <value>2701775</value>         <shrsOrPrnAmt><sshPrnamt>51433</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>51433</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPINNAKER ETF SERIES</nameOfIssuer>         <titleOfClass>SELECT STOXX EUR</titleOfClass>         <cusip>84858T772</cusip>         <value>48825033</value>         <shrsOrPrnAmt><sshPrnamt>1039494</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1039494</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPINNAKER ETF SERIES</nameOfIssuer>         <titleOfClass>SELECT STOXX EUR</titleOfClass>         <cusip>84858T772</cusip>         <value>43259</value>         <shrsOrPrnAmt><sshPrnamt>921</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>921</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPINNAKER ETF SERIES</nameOfIssuer>         <titleOfClass>SELECT STOXX EUR</titleOfClass>         <cusip>84858T772</cusip>         <value>979559</value>         <shrsOrPrnAmt><sshPrnamt>20855</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>20855</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPIRE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>84857L101</cusip>         <value>1945475</value>         <shrsOrPrnAmt><sshPrnamt>23865</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>23865</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPIRE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>84857L101</cusip>         <value>118204</value>         <shrsOrPrnAmt><sshPrnamt>1450</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1244</Sole>             <Shared>0</Shared>             <None>206</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPIRE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>84857L101</cusip>         <value>251163</value>         <shrsOrPrnAmt><sshPrnamt>3081</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3081</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPIRE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>84857L101</cusip>         <value>2283</value>         <shrsOrPrnAmt><sshPrnamt>28</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>28</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPIRIT AEROSYSTEMS HLDGS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>848574109</cusip>         <value>31922</value>         <shrsOrPrnAmt><sshPrnamt>827</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>550</Sole>             <Shared>0</Shared>             <None>277</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPIRIT AEROSYSTEMS HLDGS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>848574109</cusip>         <value>90015</value>         <shrsOrPrnAmt><sshPrnamt>2332</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2332</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPIRIT AEROSYSTEMS HLDGS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>848574109</cusip>         <value>386</value>         <shrsOrPrnAmt><sshPrnamt>10</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>10</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPIRIT AEROSYSTEMS HLDGS INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>848574109</cusip>         <value>6927465</value>         <shrsOrPrnAmt><sshPrnamt>179468</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>179468</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>L8681T102</cusip>         <value>90363080</value>         <shrsOrPrnAmt><sshPrnamt>129460</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>129460</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>L8681T102</cusip>         <value>48397226</value>         <shrsOrPrnAmt><sshPrnamt>69337</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>68660</Sole>             <Shared>0</Shared>             <None>677</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>L8681T102</cusip>         <value>670080</value>         <shrsOrPrnAmt><sshPrnamt>960</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>870</Sole>             <Shared>0</Shared>             <None>90</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>L8681T102</cusip>         <value>1730342</value>         <shrsOrPrnAmt><sshPrnamt>2479</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2479</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>L8681T102</cusip>         <value>14854836</value>         <shrsOrPrnAmt><sshPrnamt>21282</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>21282</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>L8681T102</cusip>         <value>48860</value>         <shrsOrPrnAmt><sshPrnamt>70</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>70</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>L8681T102</cusip>         <value>166124</value>         <shrsOrPrnAmt><sshPrnamt>238</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>238</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>L8681T102</cusip>         <value>38390</value>         <shrsOrPrnAmt><sshPrnamt>55</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>55</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>         <titleOfClass>SHS</titleOfClass>         <cusip>L8681T102</cusip>         <value>11358554</value>         <shrsOrPrnAmt><sshPrnamt>16273</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>16273</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPOTIFY USA INC</nameOfIssuer>         <titleOfClass>NOTE3/1</titleOfClass>         <cusip>84921RAB6</cusip>         <value>30825000</value>         <shrsOrPrnAmt><sshPrnamt>22500000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>22500000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>         <titleOfClass>PHYSICAL GOLD TR</titleOfClass>         <cusip>85207H104</cusip>         <value>28435</value>         <shrsOrPrnAmt><sshPrnamt>960</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>960</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>         <titleOfClass>PHYSICAL GOLD TR</titleOfClass>         <cusip>85207H104</cusip>         <value>25808854</value>         <shrsOrPrnAmt><sshPrnamt>871332</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>871332</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>         <titleOfClass>PHYSICAL GOLD TR</titleOfClass>         <cusip>85207H104</cusip>         <value>449424</value>         <shrsOrPrnAmt><sshPrnamt>15173</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>15173</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>         <titleOfClass>PHYSICAL SILVER</titleOfClass>         <cusip>85207K107</cusip>         <value>2025</value>         <shrsOrPrnAmt><sshPrnamt>129</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>129</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>         <titleOfClass>PHYSICAL SILVER</titleOfClass>         <cusip>85207K107</cusip>         <value>12884393</value>         <shrsOrPrnAmt><sshPrnamt>820662</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>820662</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>         <titleOfClass>PHYSICAL SILVER</titleOfClass>         <cusip>85207K107</cusip>         <value>281375</value>         <shrsOrPrnAmt><sshPrnamt>17922</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>17922</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>         <titleOfClass>PHYSICAL SILVER</titleOfClass>         <cusip>85207K107</cusip>         <value>9420</value>         <shrsOrPrnAmt><sshPrnamt>600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>600</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>         <titleOfClass>PHYSICAL SILVER</titleOfClass>         <cusip>85207K107</cusip>         <value>38214</value>   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     <cusip>85207Q104</cusip>         <value>68398</value>         <shrsOrPrnAmt><sshPrnamt>5059</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>5059</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>         <titleOfClass>PHYSICAL GOLD AN</titleOfClass>         <cusip>85208R101</cusip>         <value>171489</value>         <shrsOrPrnAmt><sshPrnamt>4674</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4674</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT ASSET MANAGEMENT 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<None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT FDS TR</nameOfIssuer>         <titleOfClass>URANIUM MINERS E</titleOfClass>         <cusip>85208P303</cusip>         <value>21151</value>         <shrsOrPrnAmt><sshPrnamt>350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>350</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>SPROTT FDS TR</nameOfIssuer>         <titleOfClass>URANIUM MINERS E</titleOfClass>         <cusip>85208P303</cusip>         <value>1468268</value>         <shrsOrPrnAmt><sshPrnamt>24297</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>24297</Sole>           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INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>85571B105</cusip>         <value>185952</value>         <shrsOrPrnAmt><sshPrnamt>9600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>9600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STARWOOD PPTY TR INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>85571B105</cusip>         <value>311218</value>         <shrsOrPrnAmt><sshPrnamt>16067</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>16067</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STATE STR 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<infoTable><nameOfIssuer>STATE STR CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>857477103</cusip>         <value>34919</value>         <shrsOrPrnAmt><sshPrnamt>301</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>74</Sole>             <Shared>0</Shared>             <None>227</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STATE STR CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>857477103</cusip>         <value>1211144</value>         <shrsOrPrnAmt><sshPrnamt>10440</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<value>1257243</value>         <shrsOrPrnAmt><sshPrnamt>5081</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1568</Sole>             <Shared>0</Shared>             <None>3513</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STERIS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G8473T100</cusip>         <value>26476</value>         <shrsOrPrnAmt><sshPrnamt>107</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>33</Sole>             <Shared>0</Shared>             <None>74</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STERIS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G8473T100</cusip>         <value>1023907</value>         <shrsOrPrnAmt><sshPrnamt>4138</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4138</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STERIS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G8473T100</cusip>         <value>60128</value>         <shrsOrPrnAmt><sshPrnamt>243</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>243</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STERIS PLC</nameOfIssuer>         <titleOfClass>SHS USD</titleOfClass>         <cusip>G8473T100</cusip>         <value>4674389</value>         <shrsOrPrnAmt><sshPrnamt>18891</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>18891</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STERLING INFRASTRUCTURE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>859241101</cusip>         <value>614821</value>         <shrsOrPrnAmt><sshPrnamt>1810</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1810</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STERLING INFRASTRUCTURE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>859241101</cusip>         <value>53669</value>         <shrsOrPrnAmt><sshPrnamt>158</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>92</Sole>             <Shared>0</Shared>             <None>66</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STERLING INFRASTRUCTURE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>859241101</cusip>         <value>414410</value>         <shrsOrPrnAmt><sshPrnamt>1220</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1220</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STERLING INFRASTRUCTURE INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>859241101</cusip>         <value>69974</value>         <shrsOrPrnAmt><sshPrnamt>206</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>206</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>860630102</cusip>         <value>2425421</value>         <shrsOrPrnAmt><sshPrnamt>21375</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>21375</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        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<votingAuthority><Sole>42600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TASEKO MINES LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>876511106</cusip>         <value>806002</value>         <shrsOrPrnAmt><sshPrnamt>190163</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>190163</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TASEKO MINES LTD</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>876511106</cusip>         <value>8854491</value>         <shrsOrPrnAmt><sshPrnamt>2089073</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         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<infoTable><nameOfIssuer>TC ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>87807B107</cusip>         <value>163850856</value>         <shrsOrPrnAmt><sshPrnamt>3014165</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>3014165</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TC ENERGY CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>87807B107</cusip>         <value>9170918</value>         <shrsOrPrnAmt><sshPrnamt>168706</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<infoTable><nameOfIssuer>TENNANT CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>880345103</cusip>         <value>84465</value>         <shrsOrPrnAmt><sshPrnamt>1042</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1042</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TENNANT CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>880345103</cusip>         <value>2108</value>         <shrsOrPrnAmt><sshPrnamt>26</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2</Sole>             <Shared>0</Shared>             <None>24</None></votingAuthority></infoTable>        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<shrsOrPrnAmt><sshPrnamt>13996</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>13798</Sole>             <Shared>0</Shared>             <None>198</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>THOR INDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>885160101</cusip>         <value>518</value>         <shrsOrPrnAmt><sshPrnamt>5</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>THOR INDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>885160101</cusip>         <value>129301</value>         <shrsOrPrnAmt><sshPrnamt>1247</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1247</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>THOR INDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>885160101</cusip>         <value>69369</value>         <shrsOrPrnAmt><sshPrnamt>669</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>669</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>THE FREE MARKETS</titleOfClass>         <cusip>886364140</cusip>         <value>29145</value>         <shrsOrPrnAmt><sshPrnamt>1245</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1245</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>UNUSUAL WHALE SU</titleOfClass>         <cusip>886364181</cusip>         <value>602221</value>         <shrsOrPrnAmt><sshPrnamt>16540</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>16540</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>UNUSUAL SUBVERSI</titleOfClass>         <cusip>886364199</cusip>         <value>33369</value>         <shrsOrPrnAmt><sshPrnamt>745</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>745</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>UNUSUAL SUBVERSI</titleOfClass>         <cusip>886364199</cusip>         <value>611652</value>         <shrsOrPrnAmt><sshPrnamt>13656</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>13656</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>FUNDSTRAT GRANNY</titleOfClass>         <cusip>886364231</cusip>         <value>102184</value>         <shrsOrPrnAmt><sshPrnamt>4089</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4089</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>FUNDSTRAT GRANNY</titleOfClass>         <cusip>886364231</cusip>         <value>2174</value>         <shrsOrPrnAmt><sshPrnamt>87</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>87</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>FUNDSTRAT GRANNY</titleOfClass>         <cusip>886364231</cusip>         <value>18743</value>         <shrsOrPrnAmt><sshPrnamt>750</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>750</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>FUNDSTRAT GRANNY</titleOfClass>         <cusip>886364231</cusip>         <value>1100</value>         <shrsOrPrnAmt><sshPrnamt>44</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>44</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>GOD BLESS AMER</titleOfClass>         <cusip>886364462</cusip>         <value>5624</value>         <shrsOrPrnAmt><sshPrnamt>125</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>125</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>FOLIOBEYOND ALTE</titleOfClass>         <cusip>886364637</cusip>         <value>30428</value>         <shrsOrPrnAmt><sshPrnamt>849</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>849</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>SP DWJNS SUKUK</titleOfClass>         <cusip>886364702</cusip>         <value>294922</value>         <shrsOrPrnAmt><sshPrnamt>15959</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>15959</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST I</nameOfIssuer>         <titleOfClass>SP FUNDS S&amp;P GBL</titleOfClass>         <cusip>886364769</cusip>         <value>29921</value>         <shrsOrPrnAmt><sshPrnamt>1536</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1536</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST II</nameOfIssuer>         <titleOfClass>YIELDMAX MSTR OP</titleOfClass>         <cusip>88634T493</cusip>         <value>2513</value>         <shrsOrPrnAmt><sshPrnamt>180</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>180</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST II</nameOfIssuer>         <titleOfClass>YIELDMAX NVDA</titleOfClass>         <cusip>88634T774</cusip>         <value>2856</value>         <shrsOrPrnAmt><sshPrnamt>170</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>170</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST II</nameOfIssuer>         <titleOfClass>YIELDMAX ULTRA O</titleOfClass>         <cusip>88636J527</cusip>         <value>7111</value>         <shrsOrPrnAmt><sshPrnamt>1300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST II</nameOfIssuer>         <titleOfClass>YIELDMAX ULTRA O</titleOfClass>         <cusip>88636J527</cusip>         <value>20895</value>         <shrsOrPrnAmt><sshPrnamt>3820</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3820</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST II</nameOfIssuer>         <titleOfClass>YIELDMAX UNIVERS</titleOfClass>         <cusip>88636J659</cusip>         <value>14732</value>         <shrsOrPrnAmt><sshPrnamt>1150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIDAL TRUST II</nameOfIssuer>         <titleOfClass>RETURN STCKD US</titleOfClass>         <cusip>88636J816</cusip>         <value>612761</value>         <shrsOrPrnAmt><sshPrnamt>23158</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>23158</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TILRAY BRANDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>88688T100</cusip>         <value>141237</value>         <shrsOrPrnAmt><sshPrnamt>81640</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>81640</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TILRAY BRANDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>88688T100</cusip>         <value>210134</value>         <shrsOrPrnAmt><sshPrnamt>121465</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>121465</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TILRAY BRANDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>88688T100</cusip>         <value>952</value>         <shrsOrPrnAmt><sshPrnamt>550</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>550</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TILRAY BRANDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>88688T100</cusip>         <value>346</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TILRAY BRANDS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>88688T100</cusip>         <value>346</value>         <shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>200</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIMKEN CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>887389104</cusip>         <value>339889</value>         <shrsOrPrnAmt><sshPrnamt>4521</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>4521</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIMKEN CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>887389104</cusip>         <value>141865</value>         <shrsOrPrnAmt><sshPrnamt>1887</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1738</Sole>             <Shared>0</Shared>             <None>149</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIMKEN CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>887389104</cusip>         <value>84352</value>         <shrsOrPrnAmt><sshPrnamt>1122</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1122</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TIMKEN CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>887389104</cusip>         <value>33004</value>         <shrsOrPrnAmt><sshPrnamt>439</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>439</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TJX COS INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>872540109</cusip>         <value>217455805</value>         <shrsOrPrnAmt><sshPrnamt>1504468</sshPrnamt>     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<shrsOrPrnAmt><sshPrnamt>7257</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>4997</Sole>             <Shared>0</Shared>             <None>2260</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TJX COS INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>872540109</cusip>         <value>4948857</value>         <shrsOrPrnAmt><sshPrnamt>34239</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>34239</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TJX COS INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>872540109</cusip>         <value>88355857</value>         <shrsOrPrnAmt><sshPrnamt>611290</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>611290</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TJX COS INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>872540109</cusip>         <value>25607863</value>         <shrsOrPrnAmt><sshPrnamt>177168</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>177168</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TJX COS INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>872540109</cusip>         <value>1317661</value>         <shrsOrPrnAmt><sshPrnamt>9116</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9116</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TJX COS INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>872540109</cusip>         <value>4088704</value>         <shrsOrPrnAmt><sshPrnamt>28288</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>28093</Sole>             <Shared>0</Shared>             <None>195</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TJX COS INC NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>872540109</cusip>         <value>33815567</value>         <shrsOrPrnAmt><sshPrnamt>233953</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>233953</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TKO GROUP HOLDINGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>87256C101</cusip>         <value>4122004</value>         <shrsOrPrnAmt><sshPrnamt>20410</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>20410</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TKO GROUP HOLDINGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>87256C101</cusip>         <value>165607</value>         <shrsOrPrnAmt><sshPrnamt>820</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>606</Sole>             <Shared>0</Shared>             <None>214</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TKO GROUP HOLDINGS INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>87256C101</cusip>         <value>226801</value>         <shrsOrPrnAmt><sshPrnamt>1123</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1123</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TKO GROUP 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<infoTable><nameOfIssuer>TOLL BROTHERS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>889478103</cusip>         <value>263571</value>         <shrsOrPrnAmt><sshPrnamt>1908</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1139</Sole>             <Shared>0</Shared>             <None>769</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TOLL BROTHERS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>889478103</cusip>         <value>160657</value>         <shrsOrPrnAmt><sshPrnamt>1163</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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            <votingAuthority><Sole>1500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TRUMP MEDIA &amp; TECHNOLOGY GRO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>25400Q105</cusip>         <value>24630</value>         <shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1500</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>TRUMP MEDIA &amp; TECHNOLOGY GRO</nameOfIssuer>         <titleOfClass>*W EXP 03/25/202</titleOfClass>         <cusip>25400Q113</cusip>         <value>8888</value>         <shrsOrPrnAmt><sshPrnamt>1100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>35</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UIPATH INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>90364P105</cusip>         <value>48061</value>         <shrsOrPrnAmt><sshPrnamt>3592</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3592</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UIPATH INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>90364P105</cusip>         <value>139165</value>         <shrsOrPrnAmt><sshPrnamt>10401</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>10401</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UIPATH INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>90364P105</cusip>         <value>571861</value>         <shrsOrPrnAmt><sshPrnamt>42740</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>42740</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UIPATH INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>90364P105</cusip>         <value>1907988</value>         <shrsOrPrnAmt><sshPrnamt>142600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>142600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UIPATH INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>90364P105</cusip>         <value>638226</value>         <shrsOrPrnAmt><sshPrnamt>47700</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Put</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>47700</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>90384S303</cusip>         <value>9395352</value>         <shrsOrPrnAmt><sshPrnamt>17184</sshPrnamt>             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       <shrsOrPrnAmt><sshPrnamt>16608</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>16608</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>90384S303</cusip>         <value>15250498</value>         <shrsOrPrnAmt><sshPrnamt>27893</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>27893</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>90384S303</cusip>         <value>42647</value>         <shrsOrPrnAmt><sshPrnamt>78</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>78</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>90384S303</cusip>         <value>1193009</value>         <shrsOrPrnAmt><sshPrnamt>2182</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2182</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>90384S303</cusip>         <value>21329811</value>         <shrsOrPrnAmt><sshPrnamt>39012</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>39012</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UMB FINL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>902788108</cusip>         <value>606189</value>         <shrsOrPrnAmt><sshPrnamt>5122</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5122</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UMB FINL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         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A</titleOfClass>         <cusip>904311107</cusip>         <value>5559</value>         <shrsOrPrnAmt><sshPrnamt>1114</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1114</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>904311107</cusip>         <value>13343</value>         <shrsOrPrnAmt><sshPrnamt>2674</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2674</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>         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INC</nameOfIssuer>         <titleOfClass>CL C</titleOfClass>         <cusip>904311206</cusip>         <value>3859</value>         <shrsOrPrnAmt><sshPrnamt>799</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>799</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNILEVER PLC</nameOfIssuer>         <titleOfClass>SPON ADR NEW</titleOfClass>         <cusip>904767704</cusip>         <value>1098103</value>         <shrsOrPrnAmt><sshPrnamt>18524</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>15059</Sole>             <Shared>0</Shared>             <None>3465</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNILEVER PLC</nameOfIssuer>         <titleOfClass>SPON ADR NEW</titleOfClass>         <cusip>904767704</cusip>         <value>417687</value>         <shrsOrPrnAmt><sshPrnamt>7046</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7046</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNILEVER PLC</nameOfIssuer>         <titleOfClass>SPON ADR NEW</titleOfClass>         <cusip>904767704</cusip>         <value>17161619</value>         <shrsOrPrnAmt><sshPrnamt>289501</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>289501</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>218611</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>907818108</cusip>         <value>27300499</value>         <shrsOrPrnAmt><sshPrnamt>115499</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>102323</Sole>             <Shared>0</Shared>             <None>13176</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>907818108</cusip>         <value>142058</value>         <shrsOrPrnAmt><sshPrnamt>601</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>101</Sole>             <Shared>0</Shared>             <None>500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>907818108</cusip>         <value>4563123</value>         <shrsOrPrnAmt><sshPrnamt>19305</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>19305</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>907818108</cusip>         <value>122362603</value>         <shrsOrPrnAmt><sshPrnamt>517674</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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INC</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>913903100</cusip>         <value>9802898</value>         <shrsOrPrnAmt><sshPrnamt>47950</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>47950</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNIVERSAL HLTH SVCS INC</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>913903100</cusip>         <value>403565</value>         <shrsOrPrnAmt><sshPrnamt>1974</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>808</Sole>             <Shared>0</Shared>             <None>1166</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNIVERSAL HLTH SVCS INC</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>913903100</cusip>         <value>2453</value>         <shrsOrPrnAmt><sshPrnamt>12</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>UNIVERSAL HLTH SVCS INC</nameOfIssuer>         <titleOfClass>CL B</titleOfClass>         <cusip>913903100</cusip>         <value>374534</value>         <shrsOrPrnAmt><sshPrnamt>1832</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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    <otherManager>3</otherManager>         <votingAuthority><Sole>7311</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>GOLD MINERS ETF</titleOfClass>         <cusip>92189F106</cusip>         <value>4894872</value>         <shrsOrPrnAmt><sshPrnamt>64069</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>64069</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>GOLD MINERS ETF</titleOfClass>         <cusip>92189F106</cusip>         <value>101077</value>         <shrsOrPrnAmt><sshPrnamt>1323</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<titleOfClass>FALLEN ANGEL HG</titleOfClass>         <cusip>92189F437</cusip>         <value>61256</value>         <shrsOrPrnAmt><sshPrnamt>2060</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2060</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>FALLEN ANGEL HG</titleOfClass>         <cusip>92189F437</cusip>         <value>56576</value>         <shrsOrPrnAmt><sshPrnamt>1903</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1903</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>FALLEN ANGEL HG</titleOfClass>         <cusip>92189F437</cusip>         <value>33506</value>         <shrsOrPrnAmt><sshPrnamt>1127</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1127</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>MORTGAGE REIT</titleOfClass>         <cusip>92189F452</cusip>         <value>4017</value>         <shrsOrPrnAmt><sshPrnamt>373</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>373</Sole>             <Shared>0</Shared>             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<titleOfClass>PHARMACEUTCL ETF</titleOfClass>         <cusip>92189F692</cusip>         <value>60993</value>         <shrsOrPrnAmt><sshPrnamt>675</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>675</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>PHARMACEUTCL ETF</titleOfClass>         <cusip>92189F692</cusip>         <value>738512</value>         <shrsOrPrnAmt><sshPrnamt>8173</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>8173</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>PHARMACEUTCL ETF</titleOfClass>         <cusip>92189F692</cusip>         <value>75722</value>         <shrsOrPrnAmt><sshPrnamt>838</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>838</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>AGRIBUSINESS ETF</titleOfClass>         <cusip>92189F700</cusip>         <value>57291</value>         <shrsOrPrnAmt><sshPrnamt>780</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>780</Sole>             <Shared>0</Shared>             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<Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>JUNIOR GOLD MINE</titleOfClass>         <cusip>92189F791</cusip>         <value>9903</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>JUNIOR GOLD MINE</titleOfClass>         <cusip>92189F791</cusip>         <value>1307691</value>         <shrsOrPrnAmt><sshPrnamt>13205</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>13205</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>JUNIOR GOLD MINE</titleOfClass>         <cusip>92189F791</cusip>         <value>58499</value>         <shrsOrPrnAmt><sshPrnamt>591</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>591</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>JUNIOR GOLD MINE</titleOfClass>         <cusip>92189F791</cusip>         <value>88335</value>         <shrsOrPrnAmt><sshPrnamt>892</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>892</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>JUNIOR GOLD MINE</titleOfClass>         <cusip>92189F791</cusip>         <value>381830070</value>         <shrsOrPrnAmt><sshPrnamt>3855701</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>3855701</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>VANECK VIETNAM</titleOfClass>         <cusip>92189F817</cusip>         <value>89</value>         <shrsOrPrnAmt><sshPrnamt>5</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>VANECK VIETNAM</titleOfClass>         <cusip>92189F817</cusip>         <value>96390</value>         <shrsOrPrnAmt><sshPrnamt>5403</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>5403</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>AFRICA INDEX ETF</titleOfClass>         <cusip>92189F866</cusip>         <value>24004</value>         <shrsOrPrnAmt><sshPrnamt>985</sshPrnamt>             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<shrsOrPrnAmt><sshPrnamt>1292150</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>1292150</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>JP MRGAN EM LOC</titleOfClass>         <cusip>92189H300</cusip>         <value>10663</value>         <shrsOrPrnAmt><sshPrnamt>418</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>418</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>HIGH YLD MUNIETF</titleOfClass>         <cusip>92189H409</cusip>         <value>102920</value>         <shrsOrPrnAmt><sshPrnamt>2022</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2022</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>OIL SERVICES ETF</titleOfClass>         <cusip>92189H607</cusip>         <value>6758</value>         <shrsOrPrnAmt><sshPrnamt>26</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>26</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>OIL SERVICES ETF</titleOfClass>         <cusip>92189H607</cusip>         <value>23132</value>         <shrsOrPrnAmt><sshPrnamt>89</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>89</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>RARE EARTH AND S</titleOfClass>         <cusip>92189H805</cusip>         <value>210097</value>         <shrsOrPrnAmt><sshPrnamt>3192</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3192</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>         <titleOfClass>SOCIAL SENTIMENT</titleOfClass>         <cusip>92189H839</cusip>         <value>720</value>         <shrsOrPrnAmt><sshPrnamt>20</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>20</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>         <titleOfClass>500 GRTH IDX F</titleOfClass>         <cusip>921932505</cusip>         <value>506005</value>         <shrsOrPrnAmt><sshPrnamt>1162</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1162</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>         <titleOfClass>500 GRTH IDX F</titleOfClass>         <cusip>921932505</cusip>         <value>134993</value>         <shrsOrPrnAmt><sshPrnamt>310</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>310</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>         <titleOfClass>500 GRTH IDX F</titleOfClass>         <cusip>921932505</cusip>         <value>11351</value>         <shrsOrPrnAmt><sshPrnamt>26</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2890</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>         <titleOfClass>500 VAL IDX FD</titleOfClass>         <cusip>921932703</cusip>         <value>378395</value>         <shrsOrPrnAmt><sshPrnamt>1897</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1897</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>         <titleOfClass>SMLCP 600 GRTH</titleOfClass>         <cusip>921932794</cusip>         <value>26057</value>         <shrsOrPrnAmt><sshPrnamt>214</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>214</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>         <titleOfClass>SMLLCP 600 IDX</titleOfClass>         <cusip>921932828</cusip>         <value>11047</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>         <titleOfClass>SMLLCP 600 IDX</titleOfClass>         <cusip>921932828</cusip>         <value>62995</value>         <shrsOrPrnAmt><sshPrnamt>570</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>570</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>         <titleOfClass>MIDCP 400 IDX</titleOfClass>         <cusip>921932885</cusip>         <value>287540</value>         <shrsOrPrnAmt><sshPrnamt>2605</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2605</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>         <titleOfClass>MIDCP 400 IDX</titleOfClass>         <cusip>921932885</cusip>         <value>35874</value>         <shrsOrPrnAmt><sshPrnamt>325</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>325</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>INTERMED TERM</titleOfClass>         <cusip>921937819</cusip>         <value>4451442</value>         <shrsOrPrnAmt><sshPrnamt>57004</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>57004</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>INTERMED TERM</titleOfClass>         <cusip>921937819</cusip>         <value>90584</value>         <shrsOrPrnAmt><sshPrnamt>1160</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1160</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>INTERMED TERM</titleOfClass>         <cusip>921937819</cusip>         <value>63478736</value>         <shrsOrPrnAmt><sshPrnamt>812892</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>812892</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>INTERMED TERM</titleOfClass>         <cusip>921937819</cusip>         <value>424935</value>         <shrsOrPrnAmt><sshPrnamt>5442</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5442</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>SHORT TRM BOND</titleOfClass>         <cusip>921937827</cusip>         <value>9237441</value>         <shrsOrPrnAmt><sshPrnamt>117063</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>117063</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>SHORT TRM BOND</titleOfClass>         <cusip>921937827</cusip>         <value>1736</value>         <shrsOrPrnAmt><sshPrnamt>22</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>22</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>SHORT TRM BOND</titleOfClass>         <cusip>921937827</cusip>         <value>2423168</value>         <shrsOrPrnAmt><sshPrnamt>30708</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>30708</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>SHORT TRM BOND</titleOfClass>         <cusip>921937827</cusip>         <value>4514125</value>         <shrsOrPrnAmt><sshPrnamt>57206</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>57206</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>SHORT TRM BOND</titleOfClass>         <cusip>921937827</cusip>         <value>570941</value>         <shrsOrPrnAmt><sshPrnamt>7235</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7235</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL BND MRKT</titleOfClass>         <cusip>921937835</cusip>         <value>3902343</value>         <shrsOrPrnAmt><sshPrnamt>52472</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>52472</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL BND MRKT</titleOfClass>         <cusip>921937835</cusip>         <value>4983534</value>         <shrsOrPrnAmt><sshPrnamt>67010</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>67010</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL BND MRKT</titleOfClass>         <cusip>921937835</cusip>         <value>9843985</value>         <shrsOrPrnAmt><sshPrnamt>132365</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>132365</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL BND MRKT</titleOfClass>         <cusip>921937835</cusip>         <value>2811221</value>         <shrsOrPrnAmt><sshPrnamt>37800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>37800</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>VANGUARD ULTRA</titleOfClass>         <cusip>92203C303</cusip>         <value>150400</value>         <shrsOrPrnAmt><sshPrnamt>3008</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3008</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>         <titleOfClass>VANGUARD ULTRA</titleOfClass>         <cusip>92203C303</cusip>         <value>6722950</value>         <shrsOrPrnAmt><sshPrnamt>134459</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>134459</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>         <titleOfClass>TOTAL INT BD ETF</titleOfClass>         <cusip>92203J407</cusip>         <value>682499</value>         <shrsOrPrnAmt><sshPrnamt>13799</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>13799</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>         <titleOfClass>TOTAL INT BD ETF</titleOfClass>         <cusip>92203J407</cusip>         <value>4029754</value>         <shrsOrPrnAmt><sshPrnamt>81475</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>81475</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>         <titleOfClass>TOTAL INT BD ETF</titleOfClass>         <cusip>92203J407</cusip>         <value>14164108</value>         <shrsOrPrnAmt><sshPrnamt>286375</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>286375</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>         <titleOfClass>TOTAL INT BD ETF</titleOfClass>         <cusip>92203J407</cusip>         <value>781139</value>         <shrsOrPrnAmt><sshPrnamt>15793</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>15793</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>         <cusip>922908363</cusip>         <value>385990711</value>         <shrsOrPrnAmt><sshPrnamt>630312</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>626459</Sole>             <Shared>0</Shared>             <None>3853</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>         <cusip>922908363</cusip>         <value>58062810</value>         <shrsOrPrnAmt><sshPrnamt>94815</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>4</otherManager>         <votingAuthority><Sole>94815</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>         <cusip>922908363</cusip>         <value>6455710</value>         <shrsOrPrnAmt><sshPrnamt>10542</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>10489</Sole>             <Shared>0</Shared>             <None>53</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>         <cusip>922908363</cusip>         <value>157694908</value>         <shrsOrPrnAmt><sshPrnamt>257512</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>257512</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>         <cusip>922908363</cusip>         <value>206820935</value>         <shrsOrPrnAmt><sshPrnamt>337733</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>337733</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>         <cusip>922908363</cusip>         <value>101404004</value>         <shrsOrPrnAmt><sshPrnamt>165590</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>165590</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>         <cusip>922908363</cusip>         <value>11425669</value>         <shrsOrPrnAmt><sshPrnamt>18658</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>18658</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>         <cusip>922908363</cusip>         <value>6017925</value>         <shrsOrPrnAmt><sshPrnamt>9827</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>9827</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP VL IDXVIP</titleOfClass>         <cusip>922908512</cusip>         <value>22381500</value>         <shrsOrPrnAmt><sshPrnamt>128202</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>128142</Sole>             <Shared>0</Shared>             <None>60</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP VL IDXVIP</titleOfClass>         <cusip>922908512</cusip>         <value>559529</value>         <shrsOrPrnAmt><sshPrnamt>3205</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>3205</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP VL IDXVIP</titleOfClass>         <cusip>922908512</cusip>         <value>52723</value>         <shrsOrPrnAmt><sshPrnamt>302</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>302</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP VL IDXVIP</titleOfClass>         <cusip>922908512</cusip>         <value>281423</value>         <shrsOrPrnAmt><sshPrnamt>1612</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1612</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP VL IDXVIP</titleOfClass>         <cusip>922908512</cusip>         <value>218958</value>         <shrsOrPrnAmt><sshPrnamt>1254</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1254</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP GR IDXVIP</titleOfClass>         <cusip>922908538</cusip>         <value>7273612</value>         <shrsOrPrnAmt><sshPrnamt>24758</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>24758</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP GR IDXVIP</titleOfClass>         <cusip>922908538</cusip>         <value>176274</value>         <shrsOrPrnAmt><sshPrnamt>600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP GR IDXVIP</titleOfClass>         <cusip>922908538</cusip>         <value>565546</value>         <shrsOrPrnAmt><sshPrnamt>1925</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1925</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP GR IDXVIP</titleOfClass>         <cusip>922908538</cusip>         <value>367039</value>         <shrsOrPrnAmt><sshPrnamt>1249</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1249</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MCAP GR IDXVIP</titleOfClass>         <cusip>922908538</cusip>         <value>125448</value>         <shrsOrPrnAmt><sshPrnamt>427</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>427</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>REAL ESTATE ETF</titleOfClass>         <cusip>922908553</cusip>         <value>10192873</value>         <shrsOrPrnAmt><sshPrnamt>111495</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>111170</Sole>             <Shared>325</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>REAL ESTATE ETF</titleOfClass>         <cusip>922908553</cusip>         <value>21484</value>         <shrsOrPrnAmt><sshPrnamt>235</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>235</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>REAL ESTATE ETF</titleOfClass>         <cusip>922908553</cusip>         <value>278740</value>         <shrsOrPrnAmt><sshPrnamt>3049</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3049</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>REAL ESTATE ETF</titleOfClass>         <cusip>922908553</cusip>         <value>684004</value>         <shrsOrPrnAmt><sshPrnamt>7482</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>7482</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>REAL ESTATE ETF</titleOfClass>         <cusip>922908553</cusip>         <value>56504</value>         <shrsOrPrnAmt><sshPrnamt>618</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>618</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>REAL ESTATE ETF</titleOfClass>         <cusip>922908553</cusip>         <value>92151</value>         <shrsOrPrnAmt><sshPrnamt>1008</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1008</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SML CP GRW ETF</titleOfClass>         <cusip>922908595</cusip>         <value>5722567</value>         <shrsOrPrnAmt><sshPrnamt>19228</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>19228</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SML CP GRW ETF</titleOfClass>         <cusip>922908595</cusip>         <value>1172678</value>         <shrsOrPrnAmt><sshPrnamt>3940</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3940</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SML CP GRW ETF</titleOfClass>         <cusip>922908595</cusip>         <value>199405</value>         <shrsOrPrnAmt><sshPrnamt>670</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>670</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SML CP GRW ETF</titleOfClass>         <cusip>922908595</cusip>         <value>16422</value>         <shrsOrPrnAmt><sshPrnamt>55</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>55</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SML CP GRW ETF</titleOfClass>         <cusip>922908595</cusip>         <value>123215</value>         <shrsOrPrnAmt><sshPrnamt>414</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>414</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SM CP VAL ETF</titleOfClass>         <cusip>922908611</cusip>         <value>68240308</value>         <shrsOrPrnAmt><sshPrnamt>326962</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>325991</Sole>             <Shared>646</Shared>             <None>325</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SM CP VAL ETF</titleOfClass>         <cusip>922908611</cusip>         <value>1241616</value>         <shrsOrPrnAmt><sshPrnamt>5949</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>5949</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SM CP VAL ETF</titleOfClass>         <cusip>922908611</cusip>         <value>1301724</value>         <shrsOrPrnAmt><sshPrnamt>6237</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>6237</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SM CP VAL ETF</titleOfClass>         <cusip>922908611</cusip>         <value>46334</value>         <shrsOrPrnAmt><sshPrnamt>222</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>222</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SM CP VAL ETF</titleOfClass>         <cusip>922908611</cusip>         <value>843606</value>         <shrsOrPrnAmt><sshPrnamt>4042</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>4042</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SM CP VAL ETF</titleOfClass>         <cusip>922908611</cusip>         <value>237328</value>         <shrsOrPrnAmt><sshPrnamt>1137</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1137</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SM CP VAL ETF</titleOfClass>         <cusip>922908611</cusip>         <value>1033234</value>         <shrsOrPrnAmt><sshPrnamt>4951</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>4951</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MID CAP ETF</titleOfClass>         <cusip>922908629</cusip>         <value>204059709</value>         <shrsOrPrnAmt><sshPrnamt>694695</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>693081</Sole>             <Shared>587</Shared>             <None>1027</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MID CAP ETF</titleOfClass>         <cusip>922908629</cusip>         <value>6569201</value>         <shrsOrPrnAmt><sshPrnamt>22364</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>21183</Sole>             <Shared>0</Shared>             <None>1181</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MID CAP ETF</titleOfClass>         <cusip>922908629</cusip>         <value>9837517</value>         <shrsOrPrnAmt><sshPrnamt>33491</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>33491</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MID CAP ETF</titleOfClass>         <cusip>922908629</cusip>         <value>925575</value>         <shrsOrPrnAmt><sshPrnamt>3151</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3151</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MID CAP ETF</titleOfClass>         <cusip>922908629</cusip>         <value>716726</value>         <shrsOrPrnAmt><sshPrnamt>2440</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2440</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MID CAP ETF</titleOfClass>         <cusip>922908629</cusip>         <value>905859</value>         <shrsOrPrnAmt><sshPrnamt>3084</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3084</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>MID CAP ETF</titleOfClass>         <cusip>922908629</cusip>         <value>774624</value>         <shrsOrPrnAmt><sshPrnamt>2637</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2637</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>LARGE CAP ETF</titleOfClass>         <cusip>922908637</cusip>         <value>6174440</value>         <shrsOrPrnAmt><sshPrnamt>20056</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>20056</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>LARGE CAP ETF</titleOfClass>         <cusip>922908637</cusip>         <value>471026</value>         <shrsOrPrnAmt><sshPrnamt>1530</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1530</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>LARGE CAP ETF</titleOfClass>         <cusip>922908637</cusip>         <value>30786</value>         <shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>LARGE CAP ETF</titleOfClass>         <cusip>922908637</cusip>         <value>13546</value>         <shrsOrPrnAmt><sshPrnamt>44</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>44</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>LARGE CAP ETF</titleOfClass>         <cusip>922908637</cusip>         <value>1605740</value>         <shrsOrPrnAmt><sshPrnamt>5216</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>5216</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>EXTEND MKT ETF</titleOfClass>         <cusip>922908652</cusip>         <value>1150533</value>         <shrsOrPrnAmt><sshPrnamt>5496</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>5496</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>EXTEND MKT ETF</titleOfClass>         <cusip>922908652</cusip>         <value>5024</value>         <shrsOrPrnAmt><sshPrnamt>24</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>24</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>EXTEND MKT ETF</titleOfClass>         <cusip>922908652</cusip>         <value>41240</value>         <shrsOrPrnAmt><sshPrnamt>197</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>197</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>EXTEND MKT ETF</titleOfClass>         <cusip>922908652</cusip>         <value>10048</value>         <shrsOrPrnAmt><sshPrnamt>48</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>48</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>GROWTH ETF</titleOfClass>         <cusip>922908736</cusip>         <value>57339294</value>         <shrsOrPrnAmt><sshPrnamt>119554</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>118790</Sole>             <Shared>764</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>GROWTH ETF</titleOfClass>         <cusip>922908736</cusip>         <value>2771666</value>         <shrsOrPrnAmt><sshPrnamt>5779</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5779</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>GROWTH ETF</titleOfClass>         <cusip>922908736</cusip>         <value>982241</value>         <shrsOrPrnAmt><sshPrnamt>2048</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2048</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>GROWTH ETF</titleOfClass>         <cusip>922908736</cusip>         <value>453788</value>         <shrsOrPrnAmt><sshPrnamt>946</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>946</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>GROWTH ETF</titleOfClass>         <cusip>922908736</cusip>         <value>1306556</value>         <shrsOrPrnAmt><sshPrnamt>2724</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>2724</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>VALUE ETF</titleOfClass>         <cusip>922908744</cusip>         <value>22403230</value>         <shrsOrPrnAmt><sshPrnamt>120131</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>119792</Sole>             <Shared>0</Shared>             <None>339</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>VALUE ETF</titleOfClass>         <cusip>922908744</cusip>         <value>50652394</value>         <shrsOrPrnAmt><sshPrnamt>271609</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>271609</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>VALUE ETF</titleOfClass>         <cusip>922908744</cusip>         <value>123643</value>         <shrsOrPrnAmt><sshPrnamt>663</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>663</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>VALUE ETF</titleOfClass>         <cusip>922908744</cusip>         <value>46436</value>         <shrsOrPrnAmt><sshPrnamt>249</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>249</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>VALUE ETF</titleOfClass>         <cusip>922908744</cusip>         <value>610142</value>         <shrsOrPrnAmt><sshPrnamt>3272</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3272</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>VALUE ETF</titleOfClass>         <cusip>922908744</cusip>         <value>1612264</value>         <shrsOrPrnAmt><sshPrnamt>8645</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>8645</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SMALL CP ETF</titleOfClass>         <cusip>922908751</cusip>         <value>157173774</value>         <shrsOrPrnAmt><sshPrnamt>618113</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>617254</Sole>             <Shared>359</Shared>             <None>500</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SMALL CP ETF</titleOfClass>         <cusip>922908751</cusip>         <value>5661798</value>         <shrsOrPrnAmt><sshPrnamt>22266</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>20516</Sole>             <Shared>0</Shared>             <None>1750</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SMALL CP ETF</titleOfClass>         <cusip>922908751</cusip>         <value>13709256</value>         <shrsOrPrnAmt><sshPrnamt>53914</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>53914</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SMALL CP ETF</titleOfClass>         <cusip>922908751</cusip>         <value>207238</value>         <shrsOrPrnAmt><sshPrnamt>815</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>815</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SMALL CP ETF</titleOfClass>         <cusip>922908751</cusip>         <value>6537793</value>         <shrsOrPrnAmt><sshPrnamt>25711</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>25711</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SMALL CP ETF</titleOfClass>         <cusip>922908751</cusip>         <value>1082967</value>         <shrsOrPrnAmt><sshPrnamt>4259</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4259</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>SMALL CP ETF</titleOfClass>         <cusip>922908751</cusip>         <value>2491271</value>         <shrsOrPrnAmt><sshPrnamt>9797</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>9797</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL STK MKT</titleOfClass>         <cusip>922908769</cusip>         <value>155611651</value>         <shrsOrPrnAmt><sshPrnamt>474180</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>472698</Sole>             <Shared>1473</Shared>             <None>9</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL STK MKT</titleOfClass>         <cusip>922908769</cusip>         <value>3367681</value>         <shrsOrPrnAmt><sshPrnamt>10262</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>10262</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL STK MKT</titleOfClass>         <cusip>922908769</cusip>         <value>43656422</value>         <shrsOrPrnAmt><sshPrnamt>133030</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>133030</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL STK MKT</titleOfClass>         <cusip>922908769</cusip>         <value>97143571</value>         <shrsOrPrnAmt><sshPrnamt>296016</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>296016</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL STK MKT</titleOfClass>         <cusip>922908769</cusip>         <value>966789</value>         <shrsOrPrnAmt><sshPrnamt>2946</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2946</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL STK MKT</titleOfClass>         <cusip>922908769</cusip>         <value>3531680</value>         <shrsOrPrnAmt><sshPrnamt>10762</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>10762</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>         <titleOfClass>TOTAL STK MKT</titleOfClass>         <cusip>922908769</cusip>         <value>1936936</value>         <shrsOrPrnAmt><sshPrnamt>5902</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>5902</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>GLB EX US ETF</titleOfClass>         <cusip>922042676</cusip>         <value>8259</value>         <shrsOrPrnAmt><sshPrnamt>173</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>173</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>GLB EX US ETF</titleOfClass>         <cusip>922042676</cusip>         <value>19096</value>         <shrsOrPrnAmt><sshPrnamt>400</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>400</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>GLB EX US ETF</titleOfClass>         <cusip>922042676</cusip>         <value>2244</value>         <shrsOrPrnAmt><sshPrnamt>47</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>47</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE SMCAP ETF</titleOfClass>         <cusip>922042718</cusip>         <value>46508363</value>         <shrsOrPrnAmt><sshPrnamt>326260</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>326260</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE SMCAP ETF</titleOfClass>         <cusip>922042718</cusip>         <value>1862843</value>         <shrsOrPrnAmt><sshPrnamt>13068</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>12923</Sole>             <Shared>0</Shared>             <None>145</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE SMCAP ETF</titleOfClass>         <cusip>922042718</cusip>         <value>565638</value>         <shrsOrPrnAmt><sshPrnamt>3968</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3968</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE SMCAP ETF</titleOfClass>         <cusip>922042718</cusip>         <value>637257</value>         <shrsOrPrnAmt><sshPrnamt>4470</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4470</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE SMCAP ETF</titleOfClass>         <cusip>922042718</cusip>         <value>169680</value>         <shrsOrPrnAmt><sshPrnamt>1190</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1190</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>TT WRLD ST ETF</titleOfClass>         <cusip>922042742</cusip>         <value>16536</value>         <shrsOrPrnAmt><sshPrnamt>120</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>120</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>TT WRLD ST ETF</titleOfClass>         <cusip>922042742</cusip>         <value>625336</value>         <shrsOrPrnAmt><sshPrnamt>4538</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4538</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>TT WRLD ST ETF</titleOfClass>         <cusip>922042742</cusip>         <value>12948239</value>         <shrsOrPrnAmt><sshPrnamt>93964</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>93964</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>TT WRLD ST ETF</titleOfClass>         <cusip>922042742</cusip>         <value>1853295</value>         <shrsOrPrnAmt><sshPrnamt>13449</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>13449</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>TT WRLD ST ETF</titleOfClass>         <cusip>922042742</cusip>         <value>203806</value>         <shrsOrPrnAmt><sshPrnamt>1479</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1479</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>ALLWRLD EX US</titleOfClass>         <cusip>922042775</cusip>         <value>23792046</value>         <shrsOrPrnAmt><sshPrnamt>333362</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>333362</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>ALLWRLD EX US</titleOfClass>         <cusip>922042775</cusip>         <value>62449</value>         <shrsOrPrnAmt><sshPrnamt>875</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>875</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>ALLWRLD EX US</titleOfClass>         <cusip>922042775</cusip>         <value>411120</value>         <shrsOrPrnAmt><sshPrnamt>5760</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5760</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>ALLWRLD EX US</titleOfClass>         <cusip>922042775</cusip>         <value>8983556</value>         <shrsOrPrnAmt><sshPrnamt>125873</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>125873</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>ALLWRLD EX US</titleOfClass>         <cusip>922042775</cusip>         <value>504657</value>         <shrsOrPrnAmt><sshPrnamt>7071</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>7071</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>ALLWRLD EX US</titleOfClass>         <cusip>922042775</cusip>         <value>1079149</value>         <shrsOrPrnAmt><sshPrnamt>15120</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>15120</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>ALLWRLD EX US</titleOfClass>         <cusip>922042775</cusip>         <value>71216</value>         <shrsOrPrnAmt><sshPrnamt>998</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>998</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>         <cusip>922042858</cusip>         <value>124492149</value>         <shrsOrPrnAmt><sshPrnamt>2297751</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2293879</Sole>             <Shared>2179</Shared>             <None>1693</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>         <cusip>922042858</cusip>         <value>7939862</value>         <shrsOrPrnAmt><sshPrnamt>146546</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>146546</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>         <cusip>922042858</cusip>         <value>30631951</value>         <shrsOrPrnAmt><sshPrnamt>565374</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>565374</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>         <cusip>922042858</cusip>         <value>2819581</value>         <shrsOrPrnAmt><sshPrnamt>52041</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>52041</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>         <cusip>922042858</cusip>         <value>3210869</value>         <shrsOrPrnAmt><sshPrnamt>59263</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>59263</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>         <cusip>922042858</cusip>         <value>382046</value>         <shrsOrPrnAmt><sshPrnamt>7051</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7051</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>         <cusip>922042858</cusip>         <value>707471</value>         <shrsOrPrnAmt><sshPrnamt>13058</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>13058</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>         <cusip>922042866</cusip>         <value>27582</value>         <shrsOrPrnAmt><sshPrnamt>314</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>314</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>         <cusip>922042866</cusip>         <value>65880</value>         <shrsOrPrnAmt><sshPrnamt>750</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>750</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>         <cusip>922042866</cusip>         <value>33994</value>         <shrsOrPrnAmt><sshPrnamt>387</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>387</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EUROPE ETF</titleOfClass>         <cusip>922042874</cusip>         <value>6461486</value>         <shrsOrPrnAmt><sshPrnamt>80971</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>80971</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EUROPE ETF</titleOfClass>         <cusip>922042874</cusip>         <value>87461</value>         <shrsOrPrnAmt><sshPrnamt>1096</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>1096</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EUROPE ETF</titleOfClass>         <cusip>922042874</cusip>         <value>90493</value>         <shrsOrPrnAmt><sshPrnamt>1134</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1134</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EUROPE ETF</titleOfClass>         <cusip>922042874</cusip>         <value>4290607</value>         <shrsOrPrnAmt><sshPrnamt>53767</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>53767</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EUROPE ETF</titleOfClass>         <cusip>922042874</cusip>         <value>211709</value>         <shrsOrPrnAmt><sshPrnamt>2653</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>2653</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EUROPE ETF</titleOfClass>         <cusip>922042874</cusip>         <value>45923</value>         <shrsOrPrnAmt><sshPrnamt>575</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>575</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>         <titleOfClass>FTSE EUROPE ETF</titleOfClass>         <cusip>922042874</cusip>         <value>67910</value>         <shrsOrPrnAmt><sshPrnamt>851</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>851</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>         <titleOfClass>CORE BD ETF</titleOfClass>         <cusip>922020748</cusip>         <value>143177</value>         <shrsOrPrnAmt><sshPrnamt>1826</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1826</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>         <titleOfClass>CORE BD ETF</titleOfClass>         <cusip>922020748</cusip>         <value>23523</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>300</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>         <titleOfClass>STRM INFPROIDX</titleOfClass>         <cusip>922020805</cusip>         <value>1823</value>         <shrsOrPrnAmt><sshPrnamt>36</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>36</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>         <titleOfClass>STRM INFPROIDX</titleOfClass>         <cusip>922020805</cusip>         <value>52554</value>         <shrsOrPrnAmt><sshPrnamt>1038</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1038</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>         <titleOfClass>STRM INFPROIDX</titleOfClass>         <cusip>922020805</cusip>         <value>54427</value>         <shrsOrPrnAmt><sshPrnamt>1075</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1075</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHORT TERM TREAS</titleOfClass>         <cusip>92206C102</cusip>         <value>3292716</value>         <shrsOrPrnAmt><sshPrnamt>55951</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>55951</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHORT TERM TREAS</titleOfClass>         <cusip>92206C102</cusip>         <value>123585</value>         <shrsOrPrnAmt><sshPrnamt>2100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>700</Sole>             <Shared>0</Shared>             <None>1400</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHORT TERM TREAS</titleOfClass>         <cusip>92206C102</cusip>         <value>238754</value>         <shrsOrPrnAmt><sshPrnamt>4057</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4057</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHORT TERM TREAS</titleOfClass>         <cusip>92206C102</cusip>         <value>351570</value>         <shrsOrPrnAmt><sshPrnamt>5974</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>5974</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHORT TERM TREAS</titleOfClass>         <cusip>92206C102</cusip>         <value>1370675</value>         <shrsOrPrnAmt><sshPrnamt>23291</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>23291</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHORT TERM TREAS</titleOfClass>         <cusip>92206C102</cusip>         <value>1094342</value>         <shrsOrPrnAmt><sshPrnamt>18595</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>18595</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHRT TRM CORP BD</titleOfClass>         <cusip>92206C409</cusip>         <value>33254317</value>         <shrsOrPrnAmt><sshPrnamt>416043</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>415267</Sole>             <Shared>776</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHRT TRM CORP BD</titleOfClass>         <cusip>92206C409</cusip>         <value>568302</value>         <shrsOrPrnAmt><sshPrnamt>7110</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>4110</Sole>             <Shared>0</Shared>             <None>3000</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHRT TRM CORP BD</titleOfClass>         <cusip>92206C409</cusip>         <value>129289</value>         <shrsOrPrnAmt><sshPrnamt>1618</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1618</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHRT TRM CORP BD</titleOfClass>         <cusip>92206C409</cusip>         <value>22483909</value>         <shrsOrPrnAmt><sshPrnamt>281295</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>281295</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHRT TRM CORP BD</titleOfClass>         <cusip>92206C409</cusip>         <value>24793167</value>         <shrsOrPrnAmt><sshPrnamt>310186</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>310186</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>SHRT TRM CORP BD</titleOfClass>         <cusip>92206C409</cusip>         <value>9653514</value>         <shrsOrPrnAmt><sshPrnamt>120775</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>120775</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>TOTAL WLD BD ETF</titleOfClass>         <cusip>92206C565</cusip>         <value>836</value>         <shrsOrPrnAmt><sshPrnamt>12</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>TOTAL CORP BND</titleOfClass>         <cusip>92206C573</cusip>         <value>102230</value>         <shrsOrPrnAmt><sshPrnamt>1304</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1304</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS3000IDX</titleOfClass>         <cusip>92206C599</cusip>         <value>40028</value>         <shrsOrPrnAmt><sshPrnamt>136</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>136</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS2000GRW</titleOfClass>         <cusip>92206C623</cusip>         <value>18702</value>         <shrsOrPrnAmt><sshPrnamt>80</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>80</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS2000GRW</titleOfClass>         <cusip>92206C623</cusip>         <value>227234</value>         <shrsOrPrnAmt><sshPrnamt>972</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>972</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS2000VAL</titleOfClass>         <cusip>92206C649</cusip>         <value>122046</value>         <shrsOrPrnAmt><sshPrnamt>783</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>783</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS2000VAL</titleOfClass>         <cusip>92206C649</cusip>         <value>607270</value>         <shrsOrPrnAmt><sshPrnamt>3896</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3896</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS2000IDX</titleOfClass>         <cusip>92206C664</cusip>         <value>266070</value>         <shrsOrPrnAmt><sshPrnamt>2720</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2720</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS2000IDX</titleOfClass>         <cusip>92206C664</cusip>         <value>7734</value>         <shrsOrPrnAmt><sshPrnamt>79</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>79</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS2000IDX</titleOfClass>         <cusip>92206C664</cusip>         <value>1523840</value>         <shrsOrPrnAmt><sshPrnamt>15578</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>15578</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS2000IDX</titleOfClass>         <cusip>92206C664</cusip>         <value>518744</value>         <shrsOrPrnAmt><sshPrnamt>5303</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5303</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000GRW</titleOfClass>         <cusip>92206C680</cusip>         <value>23453397</value>         <shrsOrPrnAmt><sshPrnamt>194634</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>194634</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000GRW</titleOfClass>         <cusip>92206C680</cusip>         <value>5607347</value>         <shrsOrPrnAmt><sshPrnamt>46534</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>46534</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000GRW</titleOfClass>         <cusip>92206C680</cusip>         <value>9761</value>         <shrsOrPrnAmt><sshPrnamt>81</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>81</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000GRW</titleOfClass>         <cusip>92206C680</cusip>         <value>432957</value>         <shrsOrPrnAmt><sshPrnamt>3593</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>3593</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000GRW</titleOfClass>         <cusip>92206C680</cusip>         <value>59166</value>         <shrsOrPrnAmt><sshPrnamt>491</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>491</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>INTER TERM TREAS</titleOfClass>         <cusip>92206C706</cusip>         <value>1537909</value>         <shrsOrPrnAmt><sshPrnamt>25619</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>25619</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>INTER TERM TREAS</titleOfClass>         <cusip>92206C706</cusip>         <value>58709</value>         <shrsOrPrnAmt><sshPrnamt>978</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>978</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>INTER TERM TREAS</titleOfClass>         <cusip>92206C706</cusip>         <value>14348611</value>         <shrsOrPrnAmt><sshPrnamt>239024</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>239024</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000VAL</titleOfClass>         <cusip>92206C714</cusip>         <value>1599723</value>         <shrsOrPrnAmt><sshPrnamt>17900</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>17900</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000VAL</titleOfClass>         <cusip>92206C714</cusip>         <value>1262083</value>         <shrsOrPrnAmt><sshPrnamt>14122</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>14122</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000VAL</titleOfClass>         <cusip>92206C714</cusip>         <value>189464</value>         <shrsOrPrnAmt><sshPrnamt>2120</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2120</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000VAL</titleOfClass>         <cusip>92206C714</cusip>         <value>559367</value>         <shrsOrPrnAmt><sshPrnamt>6259</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>6259</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000VAL</titleOfClass>         <cusip>92206C714</cusip>         <value>272668</value>         <shrsOrPrnAmt><sshPrnamt>3051</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>3051</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000IDX</titleOfClass>         <cusip>92206C730</cusip>         <value>969334</value>         <shrsOrPrnAmt><sshPrnamt>3206</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3206</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000IDX</titleOfClass>         <cusip>92206C730</cusip>         <value>67424290</value>         <shrsOrPrnAmt><sshPrnamt>223001</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>223001</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000IDX</titleOfClass>         <cusip>92206C730</cusip>         <value>24188</value>         <shrsOrPrnAmt><sshPrnamt>80</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>80</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000IDX</titleOfClass>         <cusip>92206C730</cusip>         <value>521251</value>         <shrsOrPrnAmt><sshPrnamt>1724</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1724</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>VNG RUS1000IDX</titleOfClass>         <cusip>92206C730</cusip>         <value>243545</value>         <shrsOrPrnAmt><sshPrnamt>806</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>806</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>         <cusip>92206C771</cusip>         <value>96080</value>         <shrsOrPrnAmt><sshPrnamt>2046</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2046</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>         <cusip>92206C771</cusip>         <value>2101648</value>         <shrsOrPrnAmt><sshPrnamt>44754</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>44754</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>         <cusip>92206C771</cusip>         <value>1691297</value>         <shrsOrPrnAmt><sshPrnamt>36016</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>36016</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>LG-TERM COR BD</titleOfClass>         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<titleOfClass>LONG TERM TREAS</titleOfClass>         <cusip>92206C847</cusip>         <value>233012</value>         <shrsOrPrnAmt><sshPrnamt>4098</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>4098</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>LONG TERM TREAS</titleOfClass>         <cusip>92206C847</cusip>         <value>769600</value>         <shrsOrPrnAmt><sshPrnamt>13535</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>13535</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>LONG TERM TREAS</titleOfClass>         <cusip>92206C847</cusip>         <value>63228</value>         <shrsOrPrnAmt><sshPrnamt>1112</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1112</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>LONG TERM TREAS</titleOfClass>         <cusip>92206C847</cusip>         <value>12964</value>         <shrsOrPrnAmt><sshPrnamt>228</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>228</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>LONG TERM TREAS</titleOfClass>         <cusip>92206C847</cusip>         <value>118161</value>         <shrsOrPrnAmt><sshPrnamt>2078</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2078</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>         <titleOfClass>INT-TERM CORP</titleOfClass>         <cusip>92206C870</cusip>         <value>23959911</value>         <shrsOrPrnAmt><sshPrnamt>284864</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         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<infoTable><nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>         <titleOfClass>VG TL INTL STK F</titleOfClass>         <cusip>921909768</cusip>         <value>7885637</value>         <shrsOrPrnAmt><sshPrnamt>107346</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>103718</Sole>             <Shared>3628</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>         <titleOfClass>VG TL INTL STK F</titleOfClass>         <cusip>921909768</cusip>         <value>15697888</value>         <shrsOrPrnAmt><sshPrnamt>213693</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>213693</Sole>             <Shared>0</Shared>          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<infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>HIGH DIV YLD</titleOfClass>         <cusip>921946406</cusip>         <value>87090609</value>         <shrsOrPrnAmt><sshPrnamt>617883</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>613064</Sole>             <Shared>1622</Shared>             <None>3197</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>HIGH DIV YLD</titleOfClass>         <cusip>921946406</cusip>         <value>204378</value>         <shrsOrPrnAmt><sshPrnamt>1450</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1450</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>HIGH DIV YLD</titleOfClass>         <cusip>921946406</cusip>         <value>33828</value>         <shrsOrPrnAmt><sshPrnamt>240</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>240</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>HIGH DIV YLD</titleOfClass>         <cusip>921946406</cusip>         <value>327145</value>         <shrsOrPrnAmt><sshPrnamt>2321</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2321</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>HIGH DIV YLD</titleOfClass>         <cusip>921946406</cusip>         <value>154058</value>         <shrsOrPrnAmt><sshPrnamt>1093</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>1093</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>HIGH DIV YLD</titleOfClass>         <cusip>921946406</cusip>         <value>1180040</value>         <shrsOrPrnAmt><sshPrnamt>8372</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>8372</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>HIGH DIV YLD</titleOfClass>         <cusip>921946406</cusip>         <value>1894917</value>         <shrsOrPrnAmt><sshPrnamt>13444</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>13444</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>INTL HIGH ETF</titleOfClass>         <cusip>921946794</cusip>         <value>827324</value>         <shrsOrPrnAmt><sshPrnamt>9770</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>9770</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>INTL HIGH ETF</titleOfClass>         <cusip>921946794</cusip>         <value>2571986</value>         <shrsOrPrnAmt><sshPrnamt>30373</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>30373</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>INTL HIGH ETF</titleOfClass>         <cusip>921946794</cusip>         <value>1045624</value>         <shrsOrPrnAmt><sshPrnamt>12348</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>12348</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>INTL HIGH ETF</titleOfClass>         <cusip>921946794</cusip>         <value>2382228</value>         <shrsOrPrnAmt><sshPrnamt>28132</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>28132</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>INTL DVD ETF</titleOfClass>         <cusip>921946810</cusip>         <value>599492</value>         <shrsOrPrnAmt><sshPrnamt>6693</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6693</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>INTL DVD ETF</titleOfClass>         <cusip>921946810</cusip>         <value>7896402</value>         <shrsOrPrnAmt><sshPrnamt>88159</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>88159</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>INTL DVD ETF</titleOfClass>         <cusip>921946810</cusip>         <value>31350</value>         <shrsOrPrnAmt><sshPrnamt>350</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>350</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>INTL DVD ETF</titleOfClass>         <cusip>921946810</cusip>         <value>190545</value>         <shrsOrPrnAmt><sshPrnamt>2127</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2127</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>         <titleOfClass>EM MK GOV BD ETF</titleOfClass>         <cusip>921946885</cusip>         <value>103695</value>         <shrsOrPrnAmt><sshPrnamt>1550</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1550</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ESG US CORP BD</titleOfClass>         <cusip>921910691</cusip>         <value>4622</value>         <shrsOrPrnAmt><sshPrnamt>72</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>72</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>EXTENDED DUR</titleOfClass>         <cusip>921910709</cusip>         <value>201791</value>         <shrsOrPrnAmt><sshPrnamt>2948</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2948</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ESG INTL STK ETF</titleOfClass>         <cusip>921910725</cusip>         <value>41761</value>         <shrsOrPrnAmt><sshPrnamt>602</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>602</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ESG INTL STK ETF</titleOfClass>         <cusip>921910725</cusip>         <value>292464</value>         <shrsOrPrnAmt><sshPrnamt>4216</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>4216</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ESG US STK ETF</titleOfClass>         <cusip>921910733</cusip>         <value>20182938</value>         <shrsOrPrnAmt><sshPrnamt>170406</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>170406</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ESG US STK ETF</titleOfClass>         <cusip>921910733</cusip>         <value>16345</value>         <shrsOrPrnAmt><sshPrnamt>138</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>138</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>MEGA GRWTH IND</titleOfClass>         <cusip>921910816</cusip>         <value>241452</value>         <shrsOrPrnAmt><sshPrnamt>600</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>600</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>MEGA GRWTH IND</titleOfClass>         <cusip>921910816</cusip>         <value>111873</value>         <shrsOrPrnAmt><sshPrnamt>278</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>278</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>MEGA GRWTH IND</titleOfClass>         <cusip>921910816</cusip>         <value>79277</value>         <shrsOrPrnAmt><sshPrnamt>197</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>197</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>MEGA GRWTH IND</titleOfClass>         <cusip>921910816</cusip>         <value>443654</value>         <shrsOrPrnAmt><sshPrnamt>1102</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1102</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>         <cusip>921910840</cusip>         <value>14325</value>         <shrsOrPrnAmt><sshPrnamt>104</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>104</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>         <cusip>921910840</cusip>         <value>1138559</value>         <shrsOrPrnAmt><sshPrnamt>8266</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>8266</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>         <cusip>921910840</cusip>         <value>28512</value>         <shrsOrPrnAmt><sshPrnamt>207</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>207</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>MEGA CAP INDEX</titleOfClass>         <cusip>921910873</cusip>         <value>14157</value>         <shrsOrPrnAmt><sshPrnamt>58</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>58</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM DIS ETF</titleOfClass>         <cusip>92204A108</cusip>         <value>688113</value>         <shrsOrPrnAmt><sshPrnamt>1737</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1737</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM DIS ETF</titleOfClass>         <cusip>92204A108</cusip>         <value>2714816</value>         <shrsOrPrnAmt><sshPrnamt>6853</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>6853</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM DIS ETF</titleOfClass>         <cusip>92204A108</cusip>         <value>51103</value>         <shrsOrPrnAmt><sshPrnamt>129</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>129</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM DIS ETF</titleOfClass>         <cusip>92204A108</cusip>         <value>5150</value>         <shrsOrPrnAmt><sshPrnamt>13</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>13</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM DIS ETF</titleOfClass>         <cusip>92204A108</cusip>         <value>358516</value>         <shrsOrPrnAmt><sshPrnamt>905</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>905</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM DIS ETF</titleOfClass>         <cusip>92204A108</cusip>         <value>396</value>         <shrsOrPrnAmt><sshPrnamt>1</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM STP ETF</titleOfClass>         <cusip>92204A207</cusip>         <value>1549329</value>         <shrsOrPrnAmt><sshPrnamt>7249</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>7249</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM STP ETF</titleOfClass>         <cusip>92204A207</cusip>         <value>116269</value>         <shrsOrPrnAmt><sshPrnamt>544</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>544</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM STP ETF</titleOfClass>         <cusip>92204A207</cusip>         <value>139993</value>         <shrsOrPrnAmt><sshPrnamt>655</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>655</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>CONSUM STP ETF</titleOfClass>         <cusip>92204A207</cusip>         <value>8390</value>         <shrsOrPrnAmt><sshPrnamt>39</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>39</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ENERGY ETF</titleOfClass>         <cusip>92204A306</cusip>         <value>163240</value>         <shrsOrPrnAmt><sshPrnamt>1297</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1297</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ENERGY ETF</titleOfClass>         <cusip>92204A306</cusip>         <value>1071194</value>         <shrsOrPrnAmt><sshPrnamt>8511</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>8511</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ENERGY ETF</titleOfClass>         <cusip>92204A306</cusip>         <value>47827</value>         <shrsOrPrnAmt><sshPrnamt>380</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>380</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ENERGY ETF</titleOfClass>         <cusip>92204A306</cusip>         <value>64818</value>         <shrsOrPrnAmt><sshPrnamt>515</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>515</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>ENERGY ETF</titleOfClass>         <cusip>92204A306</cusip>         <value>94975</value>         <shrsOrPrnAmt><sshPrnamt>755</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>755</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>FINANCIALS ETF</titleOfClass>         <cusip>92204A405</cusip>         <value>1003855</value>         <shrsOrPrnAmt><sshPrnamt>7649</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>7649</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>FINANCIALS ETF</titleOfClass>         <cusip>92204A405</cusip>         <value>3966467</value>         <shrsOrPrnAmt><sshPrnamt>30223</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>30223</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>FINANCIALS ETF</titleOfClass>         <cusip>92204A405</cusip>         <value>235707</value>         <shrsOrPrnAmt><sshPrnamt>1796</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>1796</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>FINANCIALS ETF</titleOfClass>         <cusip>92204A405</cusip>         <value>787</value>         <shrsOrPrnAmt><sshPrnamt>6</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>6</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>FINANCIALS ETF</titleOfClass>         <cusip>92204A405</cusip>         <value>66060</value>         <shrsOrPrnAmt><sshPrnamt>503</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         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<shrsOrPrnAmt><sshPrnamt>928</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>928</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>HEALTH CAR ETF</titleOfClass>         <cusip>92204A504</cusip>         <value>6740774</value>         <shrsOrPrnAmt><sshPrnamt>25966</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>25966</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>HEALTH CAR ETF</titleOfClass>         <cusip>92204A504</cusip>         <value>48026</value>         <shrsOrPrnAmt><sshPrnamt>185</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>185</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>HEALTH CAR ETF</titleOfClass>         <cusip>92204A504</cusip>         <value>505023</value>         <shrsOrPrnAmt><sshPrnamt>1945</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1945</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>INDUSTRIAL 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FD</nameOfIssuer>         <titleOfClass>INDUSTRIAL ETF</titleOfClass>         <cusip>92204A603</cusip>         <value>766799</value>         <shrsOrPrnAmt><sshPrnamt>2588</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2588</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>INDUSTRIAL ETF</titleOfClass>         <cusip>92204A603</cusip>         <value>30222</value>         <shrsOrPrnAmt><sshPrnamt>102</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>102</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>INF TECH ETF</titleOfClass>         <cusip>92204A702</cusip>         <value>5357817</value>         <shrsOrPrnAmt><sshPrnamt>7176</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>7176</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>INF TECH ETF</titleOfClass>         <cusip>92204A702</cusip>         <value>8677334</value>         <shrsOrPrnAmt><sshPrnamt>11622</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>11622</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>INF TECH ETF</titleOfClass>         <cusip>92204A702</cusip>         <value>268839</value>         <shrsOrPrnAmt><sshPrnamt>360</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>360</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>         <titleOfClass>INF TECH ETF</titleOfClass>         <cusip>92204A702</cusip>         <value>23989222</value>         <shrsOrPrnAmt><sshPrnamt>32130</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>32130</Sole>         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WORLD FD</nameOfIssuer>         <titleOfClass>COMM SRVC ETF</titleOfClass>         <cusip>92204A884</cusip>         <value>3567</value>         <shrsOrPrnAmt><sshPrnamt>19</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>19</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VARONIS SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>922280102</cusip>         <value>14942</value>         <shrsOrPrnAmt><sshPrnamt>260</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>260</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VARONIS SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>922280102</cusip>         <value>236432</value>         <shrsOrPrnAmt><sshPrnamt>4114</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4114</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VARONIS SYS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>922280102</cusip>         <value>26055116</value>         <shrsOrPrnAmt><sshPrnamt>453369</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>453369</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VEECO INSTRS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>922417100</cusip>         <value>108605</value>         <shrsOrPrnAmt><sshPrnamt>3569</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>3569</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VEECO INSTRS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>922417100</cusip>         <value>75040</value>         <shrsOrPrnAmt><sshPrnamt>2466</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2385</Sole>             <Shared>0</Shared>             <None>81</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VEECO INSTRS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>922417100</cusip>         <value>215079</value>         <shrsOrPrnAmt><sshPrnamt>7068</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>7068</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VEECO INSTRS INC DEL</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>922417100</cusip>         <value>1492683</value>         <shrsOrPrnAmt><sshPrnamt>49053</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>49053</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VEEVA SYS INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>922475108</cusip>         <value>3475716</value>         <shrsOrPrnAmt><sshPrnamt>11667</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>11667</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VEEVA SYS INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>922475108</cusip>         <value>1104054</value>         <shrsOrPrnAmt><sshPrnamt>3706</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1731</Sole>             <Shared>0</Shared>             <None>1975</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VEEVA SYS INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>922475108</cusip>         <value>1006936</value>         <shrsOrPrnAmt><sshPrnamt>3380</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>3380</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VEEVA SYS INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>922475108</cusip>         <value>1187469</value>         <shrsOrPrnAmt><sshPrnamt>3986</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>3986</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VEEVA SYS INC</nameOfIssuer>         <titleOfClass>CL A COM</titleOfClass>         <cusip>922475108</cusip>         <value>89373</value>         <shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>300</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VENTAS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92276F100</cusip>         <value>13387827</value>         <shrsOrPrnAmt><sshPrnamt>191282</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>191282</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VENTAS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92276F100</cusip>         <value>1086595</value>         <shrsOrPrnAmt><sshPrnamt>15525</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6466</Sole>             <Shared>0</Shared>             <None>9059</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VENTAS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92276F100</cusip>         <value>22047</value>         <shrsOrPrnAmt><sshPrnamt>315</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>105</Sole>             <Shared>0</Shared>             <None>210</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VENTAS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92276F100</cusip>         <value>669664</value>         <shrsOrPrnAmt><sshPrnamt>9568</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>9568</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VENTAS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92276F100</cusip>         <value>3614984</value>         <shrsOrPrnAmt><sshPrnamt>51650</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>51650</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VENTAS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92276F100</cusip>         <value>7672584</value>         <shrsOrPrnAmt><sshPrnamt>109624</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>109624</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VENTAS RLTY LTD PARTNERSHIP</nameOfIssuer>         <titleOfClass>NOTE  3.750% 6/0</titleOfClass>         <cusip>92277GAZ0</cusip>         <value>1595039</value>         <shrsOrPrnAmt><sshPrnamt>1261000</sshPrnamt>             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       <value>2134226</value>         <shrsOrPrnAmt><sshPrnamt>20019</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>20019</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VERALTO CORP</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>92338C103</cusip>         <value>426973</value>         <shrsOrPrnAmt><sshPrnamt>4005</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4005</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VERALTO CORP</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>92338C103</cusip>         <value>5331</value>         <shrsOrPrnAmt><sshPrnamt>50</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>50</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VERALTO CORP</nameOfIssuer>         <titleOfClass>COM SHS</titleOfClass>         <cusip>92338C103</cusip>         <value>4986789</value>         <shrsOrPrnAmt><sshPrnamt>46776</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>46776</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VERISIGN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         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  <titleOfClass>COM</titleOfClass>         <cusip>92343E102</cusip>         <value>13419</value>         <shrsOrPrnAmt><sshPrnamt>48</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>48</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VERISIGN INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92343E102</cusip>         <value>20968</value>         <shrsOrPrnAmt><sshPrnamt>75</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>75</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VERISIGN INC</nameOfIssuer>         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INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92345Y106</cusip>         <value>1342057</value>         <shrsOrPrnAmt><sshPrnamt>5336</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>5336</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92345Y106</cusip>         <value>7456014</value>         <shrsOrPrnAmt><sshPrnamt>29645</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>29645</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92345Y106</cusip>         <value>71177</value>         <shrsOrPrnAmt><sshPrnamt>283</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>283</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92345Y106</cusip>         <value>71565</value>         <shrsOrPrnAmt><sshPrnamt>285</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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<votingAuthority><Sole>124775</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VISA INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>92826C839</cusip>         <value>8613052</value>         <shrsOrPrnAmt><sshPrnamt>25230</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>25230</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VISA INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>92826C839</cusip>         <value>11399015</value>         <shrsOrPrnAmt><sshPrnamt>33391</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>33306</Sole>             <Shared>0</Shared>             <None>85</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VISA INC</nameOfIssuer>         <titleOfClass>COM CL A</titleOfClass>         <cusip>92826C839</cusip>         <value>595895518</value>         <shrsOrPrnAmt><sshPrnamt>1745549</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>1745549</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VISHAY INTERTECHNOLOGY INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>928298108</cusip>         <value>106488</value>         <shrsOrPrnAmt><sshPrnamt>6960</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>       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         <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>453</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VISTRA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92840M102</cusip>         <value>29948331</value>         <shrsOrPrnAmt><sshPrnamt>152860</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>152860</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VISTRA CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92840M102</cusip>         <value>4247937</value>         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          <None>2</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>928881101</cusip>         <value>177785</value>         <shrsOrPrnAmt><sshPrnamt>4236</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>4236</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>928881101</cusip>         <value>1699827</value>         <shrsOrPrnAmt><sshPrnamt>40501</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>40501</Sole>            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 <Shared>0</Shared>             <None>700</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WAYFAIR INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>94419L101</cusip>         <value>150700</value>         <shrsOrPrnAmt><sshPrnamt>1687</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>1569</Sole>             <Shared>0</Shared>             <None>118</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WAYFAIR INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>94419L101</cusip>         <value>96387</value>         <shrsOrPrnAmt><sshPrnamt>1079</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1079</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WAYFAIR INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>94419L101</cusip>         <value>185985</value>         <shrsOrPrnAmt><sshPrnamt>2082</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>2082</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WAYFAIR INC</nameOfIssuer>         <titleOfClass>CL A</titleOfClass>         <cusip>94419L101</cusip>         <value>53046923</value>         <shrsOrPrnAmt><sshPrnamt>593831</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>593831</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WAYFAIR INC</nameOfIssuer>         <titleOfClass>NOTE  3.250% 9/1</titleOfClass>         <cusip>94419LAP6</cusip>         <value>4508</value>         <shrsOrPrnAmt><sshPrnamt>3000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>3000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WAYSTAR HLDG CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>946784105</cusip>         <value>257477</value>         <shrsOrPrnAmt><sshPrnamt>6790</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>6790</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WAYSTAR HLDG CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>946784105</cusip>         <value>7394</value>         <shrsOrPrnAmt><sshPrnamt>195</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>6</Sole>             <Shared>0</Shared>             <None>189</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WD 40 CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>929236107</cusip>         <value>157882</value>         <shrsOrPrnAmt><sshPrnamt>799</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>799</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WD 40 CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>929236107</cusip>         <value>151362</value>         <shrsOrPrnAmt><sshPrnamt>766</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>745</Sole>             <Shared>0</Shared>             <None>21</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WD 40 CO</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>929236107</cusip>         <value>50586</value>         <shrsOrPrnAmt><sshPrnamt>256</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>256</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G48833118</cusip>         <value>350704</value>         <shrsOrPrnAmt><sshPrnamt>5125</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>5125</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G48833118</cusip>         <value>47080</value>         <shrsOrPrnAmt><sshPrnamt>688</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>241</Sole>             <Shared>0</Shared>             <None>447</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G48833118</cusip>         <value>144593</value>         <shrsOrPrnAmt><sshPrnamt>2113</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>2113</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G48833118</cusip>         <value>1026</value>         <shrsOrPrnAmt><sshPrnamt>15</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>15</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G48833118</cusip>         <value>581860</value>         <shrsOrPrnAmt><sshPrnamt>8503</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>8503</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEBSTER FINL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>947890109</cusip>         <value>122286150</value>         <shrsOrPrnAmt><sshPrnamt>2057304</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>2057304</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEBSTER FINL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>947890109</cusip>         <value>224980</value>         <shrsOrPrnAmt><sshPrnamt>3785</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>2870</Sole>             <Shared>0</Shared>             <None>915</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEBSTER FINL CORP</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>947890109</cusip>         <value>232708</value>         <shrsOrPrnAmt><sshPrnamt>3915</sshPrnamt>             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           <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>932</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEBULL CORP</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G9572D103</cusip>         <value>282489</value>         <shrsOrPrnAmt><sshPrnamt>19100</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>19100</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEBULL CORP</nameOfIssuer>         <titleOfClass>ORD SHS</titleOfClass>         <cusip>G9572D103</cusip>         <value>5025642</value>         <shrsOrPrnAmt><sshPrnamt>339800</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>      <putCall>Call</putCall>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>339800</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92939U106</cusip>         <value>32840004</value>         <shrsOrPrnAmt><sshPrnamt>286587</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>2</otherManager>         <votingAuthority><Sole>286587</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92939U106</cusip>         <value>9551879</value>         <shrsOrPrnAmt><sshPrnamt>83357</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>75663</Sole>             <Shared>0</Shared>             <None>7694</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92939U106</cusip>         <value>11344</value>         <shrsOrPrnAmt><sshPrnamt>99</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>6</otherManager>         <votingAuthority><Sole>26</Sole>             <Shared>0</Shared>             <None>73</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92939U106</cusip>         <value>1233194</value>         <shrsOrPrnAmt><sshPrnamt>10762</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>10762</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92939U106</cusip>         <value>9533430</value>         <shrsOrPrnAmt><sshPrnamt>83196</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>83196</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92939U106</cusip>         <value>201349</value>         <shrsOrPrnAmt><sshPrnamt>1757</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>11</otherManager>         <votingAuthority><Sole>1757</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>92939U106</cusip>         <value>9262883</value>         <shrsOrPrnAmt><sshPrnamt>80835</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>80835</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>         <titleOfClass>NOTE  4.375% 6/0</titleOfClass>         <cusip>92939UAR7</cusip>         <value>18403500</value>         <shrsOrPrnAmt><sshPrnamt>15000000</sshPrnamt>             <sshPrnamtType>PRN</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>                  <votingAuthority><Sole>15000000</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEIS MKTS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>948849104</cusip>         <value>3522</value>         <shrsOrPrnAmt><sshPrnamt>49</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>3</otherManager>         <votingAuthority><Sole>21</Sole>             <Shared>0</Shared>             <None>28</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WEIS MKTS INC</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         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FARGO CO NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>949746101</cusip>         <value>8101234</value>         <shrsOrPrnAmt><sshPrnamt>96650</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>7</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>96650</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>949746101</cusip>         <value>56045489</value>         <shrsOrPrnAmt><sshPrnamt>668641</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>668641</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>949746101</cusip>         <value>1171804</value>         <shrsOrPrnAmt><sshPrnamt>13980</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>9</otherManager>         <votingAuthority><Sole>13980</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>         <titleOfClass>COM</titleOfClass>         <cusip>949746101</cusip>         <value>470468</value>         <shrsOrPrnAmt><sshPrnamt>5613</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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       <titleOfClass>JAPN HEDGE EQT</titleOfClass>         <cusip>97717W851</cusip>         <value>130618</value>         <shrsOrPrnAmt><sshPrnamt>1020</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             <None>1020</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WISDOMTREE TR</nameOfIssuer>         <titleOfClass>EUROPE SMCP DV</titleOfClass>         <cusip>97717W869</cusip>         <value>27816</value>         <shrsOrPrnAmt><sshPrnamt>395</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>395</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WISDOMTREE TR</nameOfIssuer>         <titleOfClass>INTL QULTY DIV</titleOfClass>         <cusip>97717X131</cusip>         <value>473575</value>         <shrsOrPrnAmt><sshPrnamt>11875</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>8</otherManager>         <votingAuthority><Sole>11875</Sole>             <Shared>0</Shared>             <None>0</None></votingAuthority></infoTable>        <infoTable><nameOfIssuer>WISDOMTREE TR</nameOfIssuer>         <titleOfClass>INTL QULTY DIV</titleOfClass>         <cusip>97717X131</cusip>         <value>174874</value>         <shrsOrPrnAmt><sshPrnamt>4385</sshPrnamt>             <sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt>         <investmentDiscretion>DFND</investmentDiscretion>         <otherManager>10</otherManager>         <votingAuthority><Sole>0</Sole>             <Shared>0</Shared>             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